| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT O FLOYD JR.3 | PO BOX 309 LENOIR, NC 28645 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ATLANTA) | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ATLANTA) | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $0 | $49K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON GA - SOUTHEAST | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | -$884 | $0 | -$884 | -0.47% |
| ROBERT O FLOYD JR.3 | PO BOX 309 LENOIR, NC 28645 | FOUR EVER LIFE INS CO. | $12K | $5K | $17K | 13.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ATLANTA) | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.16% |
| PAUL BRUNO3 | 4725 PIEDMONT ROW DR #510 CHARLOTTE, NC 28210 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $97K | $0 | $97K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 ADMINISTRATOR | Claims processing Service code 12 | — | $317K |
| UNC CALDWELL HEALTH CARE EIN 56-0894904 CONSULTANT | Other services Service code 49 | — | $148K |
| PAUL BRUNO BROKER | Insurance agents and brokers Service code 22 | 4725 PIEDMONT ROW DR 510 CHARLOTTE, NC 28210 | $97K |
| FLORES AND ASSOCIATES EIN 56-1542307 COBRA CONSULTANT | Other services Service code 49 | — | $11K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 971 | $119K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 950 | $510K |
| Vision | COMMUNITY EYE CARE | 1,003 | $148K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,216 | $361K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 750 | $243K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $40K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 951 | $188K |
| Other | NATIONAL UNION FIRE INS CO. | 2 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.