| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $105K | $129 | $105K | 8.90% |
| ROBERT O FLOYD JR.3 | PO BOX 309 LENOIR, NC 28645 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 1.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $155 | $155 | 0.01% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT FLOYD JR | PO BOX 309 LENOIR, NC 28645 | FOUR EVER LIFE INSURANCE CO | $16K | $6K | $22K | 14.00% |
| PAUL E. BRUNO3 Filed as: PAUL E BRUNO | 4725 PIEDMONT ROW DR #510 CHARLOTTE, NC 28210 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $49K | — | $49K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 ADMINISTRATOR | Claims processing Service code 12 | — | $519K |
| UNC CALDWELL HEALTH CARE EIN 56-0894904 CONSULTANT | Other services Service code 49 | — | $197K |
| FLORES AND ASSOCIATES EIN 56-1542307 COBRA CONSULTANT | Other services Service code 49 | — | $9K |
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 | 1,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE CO | 864 | $156K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,763 | $1.2M |
| Vision | COMMUNITY EYE CARE | 1,537 | $143K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,763 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,763 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,763 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,763 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,763 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.