| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900A DALLAS, TX 75217 | SUNLIFE ASSURANCE COMPANY OF CANADA | $162K | $30K | $192K | 5.92% |
| UMR, INC.3 Filed as: UMR, INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $13K | $13K | 0.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $28K | $28K | 5.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $894 | $894 | 3.00% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $60K | $22K | $81K | 8303.28% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL ROAD SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $12K | $11K | $23K | 2374.82% |
| WILLIAM JOHN COOPER3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5K | $3K | $9K | 872.06% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $854 | $4K | 396.72% |
| JENNIFER MARLOWE3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $322 | $916 | $1K | 126.71% |
| RICHARD WORRELL LLC3 | 6235 CARNEGIE BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $335 | $191 | $526 | 53.84% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $57 | $308 | $365 | 37.36% |
| DONALD EUGENE REED3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $23 | $278 | $301 | 30.81% |
| JAMES G. HUCKABEE3 Filed as: JAMES G HUCKABEE | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $8 | $91 | $99 | 10.13% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $252 | $72 | $324 | 81.00% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $199 | $76 | $275 | 68.75% |
| WILLIAM JOHN COOPER3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $143 | $123 | $266 | 66.50% |
| JENNIFER MARLOWE3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $30 | $73 | $103 | 25.75% |
| DONALD EUGENE REED3 | 138 CHARLOTTE STREET SUITE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3 | $34 | $37 | 9.25% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL ROAD SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7 | $16 | $23 | 5.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 NONE | Claims processing Service code 12 | — | $1.0M |
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 | 1,496 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,488 | $551K |
| Long-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,496 | $362K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,416 | $3.2M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,488 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,496 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.