| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN MUTUAL | $12K | $4K | $15K | 4.12% |
| ARTHEA STAEGER REED3 Filed as: ARTHEA S REED | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $12K | $3K | $15K | 4.03% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 3.48% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 1.87% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN CLU | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $2K | $3K | $5K | 1.34% |
| JAMES G. HUCKABEE3 Filed as: JAMES G HUCKABEE | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN MUTUAL | $2K | $2K | $4K | 1.20% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 282113508 | NORTHWESTERN MUTUAL | $846 | $75 | $921 | 0.25% |
| CAROLINA CONDREY GROUP3 Filed as: CAROLINA CONDREY GRP | 4020 WESTCHASE BLVD. 2ND FLOOR #275 RALEIGH, NC 27607 | NORTHWESTERN MUTUAL | $423 | $37 | $460 | 0.12% |
| DONALD EUGENE REED3 Filed as: DONALD E REED CLU, CHFC | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $151 | $224 | $375 | 0.10% |
No Schedule C service providers reported on this filing.
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | NORTHWESTERN MUTUAL | 161 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.