| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN MUTUAL | $21K | $7K | $27K | 4.67% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $15K | $5K | $20K | 3.35% |
| ARTHEA STAEGER REED3 Filed as: ARTHEA S REED | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $8K | $2K | $10K | 1.63% |
| CAROLINA CONDREY GROUP3 Filed as: CAROLINA CONDREY GRP | STE 200 1201 EDWARDS MILL RD RALEIGH, NC 27607 | NORTHWESTERN MUTUAL | $3K | $4K | $7K | 1.22% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 282113508 | NORTHWESTERN MUTUAL | $2K | $3K | $5K | 0.89% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN MUTUAL | $3K | $700 | $3K | 0.60% |
| CAROLINA CONDREY GROUP3 Filed as: CAROLINA CONDREY GRP | STE 200 1201 EDWARDS MILL RD RALEIGH, NC 27607 | NORTHWESTERN MUTUAL | $2K | $209 | $2K | 0.33% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN MUTUAL | $2K | $197 | $2K | 0.31% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN CLU | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $304 | $389 | $693 | 0.12% |
| JAMES G. HUCKABEE3 Filed as: JAMES G HUCKABEE | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN MUTUAL | $367 | $226 | $593 | 0.10% |
| DONALD EUGENE REED3 Filed as: DONALD E REED CLU, CHFC | 4 VANDERBILT PARK DRIVE STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN MUTUAL | $178 | $306 | $484 | 0.08% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | NORTHWESTERN MUTUAL | 213 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.