| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNINGS COMPANIES LLC | 2100 ROSS AVENUE, STE 200 DALLAS, TX 75201 | UNIMERICA INSURANCE COMPANY | $72K | — | $72K | 5.00% |
| MEDCOST BENEFIT SERVICES3 | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | HCC LIFE INSURANCE COMPANY | $86K | — | $86K | 10.88% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $19K | $6K | $25K | 4.88% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $13K | $5K | $18K | 3.47% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $2K | $9K | 1.72% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $4K | $6K | 1.22% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $3K | $5K | 0.90% |
| DAVID FLOYD BARBER3 | 24 WOODS LN BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $608 | $3K | 0.58% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $208 | $2K | 0.38% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $165 | $2K | 0.30% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $166 | $335 | $501 | 0.10% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $175 | $296 | $471 | 0.09% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $24 | $55 | $79 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738 STE 510 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $54 | $54 | 0.25% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $436 | $116 | $552 | 2.73% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $194 | $76 | $270 | 1.34% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $133 | $51 | $184 | 0.91% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $20 | $31 | $51 | 0.25% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $0 | $48 | $48 | 0.24% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $12 | $28 | $40 | 0.20% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $28 | $3 | $31 | 0.15% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $19 | $2 | $21 | 0.10% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4 | $9 | $13 | 0.06% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $0 | $8 | $8 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 N/A | Contract Administrator Service code 13 | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | $449K |
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 | 1,116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 1,052 | $2.2M |
| Dental | HCC LIFE INSURANCE COMPANY | 275 | $787K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,359 | $405K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,116 | $239K |
| Other(3 contracts, 2 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 1,110 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,359 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.