| 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 | $79K | — | $79K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (SOUTHEAST SERIES | 4725 PIEDMONT ROW DR STE 510 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $160K | — | $160K | 12.32% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $36K | $12K | $48K | 7.37% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5K | $7K | $12K | 1.83% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $3K | $10K | 1.47% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $6K | $2K | $7K | 1.13% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $1K | $2K | 0.36% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $229 | $2K | 0.33% |
| DAVID FLOYD BARBER3 | 24 WOODS LN BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $379 | $2K | 0.29% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $170 | $2K | 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 | $167 | $339 | $506 | 0.08% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $176 | $298 | $474 | 0.07% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $32 | $76 | $108 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738, 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738, 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $807 | $807 | 0.57% |
| C.A. ROBINSON INTEREST LLC3 | 142 DANA POINTE NICEVILLE, FL 32578 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $491 | $131 | $622 | 1.41% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $253 | $99 | $352 | 0.80% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $202 | $78 | $280 | 0.63% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $23 | $36 | $59 | 0.13% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1 | $57 | $58 | 0.13% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $43 | $5 | $48 | 0.11% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $14 | $32 | $46 | 0.10% |
| RICHARD WORRELL LLC4 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $28 | $3 | $31 | 0.07% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2 | $13 | $15 | 0.03% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4 | $10 | $14 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $114 | $114 | 0.61% |
| 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 | $484K |
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 | 1,148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 1,116 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,143 | $430K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,148 | $210K |
| Other(3 contracts, 2 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 1,143 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,148 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.