| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, STE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111K | — | $111K | 5.00% |
| UMR, INC.3 Filed as: UMR, INC | 115 W WAUSAU AVE WAUDAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 0.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DRIVE STE 510 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $125K | $25K | $150K | 7.55% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $70K | $23K | $94K | 13.77% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $10K | $14K | $24K | 3.51% |
| WILLIAM JOHN COOPER3 | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $6K | $3K | $9K | 1.38% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $883 | $4K | 0.59% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $662 | $316 | $978 | 0.14% |
| JENNIFER MARLOWE3 Filed as: JENNIFER MARLOW | 138 CHARLOTTE ST ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $733 | $733 | 0.11% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $217 | $430 | $647 | 0.10% |
| DONALD EUGENE REED3 | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $236 | $390 | $626 | 0.09% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $57 | $134 | $191 | 0.03% |
| 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 | 2.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.47% |
| 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 | 2.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $617 | $617 | 0.24% |
| C.A. ROBINSON INTEREST LLC3 | 142 DANA POINTE NICEVILLE, FL 32578 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $771 | — | $771 | 2.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $72 | $72 | 0.24% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $225 | $64 | $289 | 12.36% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $182 | $70 | $252 | 10.78% |
| WILLIAM JOHN COOPER3 | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $131 | $117 | $248 | 10.61% |
| JENNIFER MARLOWE3 Filed as: JENNIFER MARLOW | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $55 | $55 | 2.35% |
| DONALD EUGENE REED3 | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $51 | $51 | 2.18% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 138 CHARLOTTE ST, STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $8 | $19 | $27 | 1.15% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $6 | $15 | $21 | 0.90% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $12 | $12 | 0.51% |
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 | 1,442 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 610 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,433 | $620K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,442 | $338K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,350 | $2.2M |
| Other(3 contracts, 2 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 1,433 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,442 | — |
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.