| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $104K | $60K | $164K | 7.89% |
| UMR, INC.3 Filed as: UMR, INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 0.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DRIVE STE 510 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $174K | — | $174K | 10.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738, 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 2.75% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $41K | $14K | $55K | 12.75% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $7K | $14K | 3.28% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $8K | $4K | $11K | 2.66% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4K | $988 | $5K | 1.06% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $933 | $2K | 0.48% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $239 | $466 | $705 | 0.16% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $193 | $324 | $517 | 0.12% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $54 | $126 | $180 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKBOX 741738, 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.77% |
| C.A. ROBINSON INTEREST LLC3 | 142 DANA POINTE NICEVILLE, FL 32578 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $194 | $55 | $249 | 1.89% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $168 | $65 | $233 | 1.77% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $119 | $110 | $229 | 1.74% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $29 | $45 | $74 | 0.56% |
| RICHARD WORRELL LLC3 | 6235 CARNEGIE BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $49 | $49 | 0.37% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7 | $17 | $24 | 0.18% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5 | $13 | $18 | 0.14% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $11 | $11 | 0.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
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 | 1,352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,344 | $529K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,352 | $308K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,286 | $2.1M |
| Other(3 contracts, 2 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 1,344 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,352 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.