| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFITS SERVICES, LLC | 470 W HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | ROCKPORT BENEFITS | $12K | — | $12K | 7.57% |
| EARL E BAIN, JR3 Filed as: EARL BAIN | PO BOX 53574 FAYETTEVILLE, NC 28305 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $909 | $0 | $909 | 6.99% |
| ROGERS BENEFIT GROUP INC3 | 8000 NORMAN CENTER DRIVE SUITE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $583 | $204 | $787 | 6.06% |
| EARL E BAIN, JR3 Filed as: EARL BAIN | PO BOX 53574 FAYETTEVILLE, NC 28305 | METROPOLITAN LIFE INSURANCE COMPAN | $856 | $0 | $856 | 11.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPAN | $519 | $0 | $519 | 6.86% |
| ROGERS BENEFIT GROUP INC3 | 8000 NORMAN CENTER DRIVE SUITE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPAN | $344 | $120 | $464 | 6.13% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 470 W HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | TELADOC HEALTH, INC | $879 | $0 | $879 | 19.97% |
| ROGERS BENEFIT GROUP INC3 | 8000 NORMAN CENTER DRIVE SUITE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | — |
| EARL E BAIN, JR3 Filed as: EARL BAIN | PO BOX 53574 FAYETTEVILLE, NC 28305 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | — |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | — |
| ROGERS BENEFIT GROUP INC3 | 8000 NORMAN CENTER DRIVE SUITE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC EIN 56-1472467 NONE | Claims processing; Contract Administrator Service code 12 | 470 W HANES MILL ROAD, SUITE 100 WINSTON SALEM, NC 27105 | $54K |
| EARL EUGENE BAIN JR EIN 24-4985935 NONE | Insurance brokerage commissions and fees Service code 53 | 1318 RAEFORD ROAD, 2ND FL FAYETTEVILLE, NC 28305 | $21K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance brokerage commissions and fees Service code 53 | 2301 SUGAR BUSH ROAD, SUITE 600 RALEIGH, NC 27612 | $17K |
| VOLTAIRE HEALTH LLC EIN 46-2047081 NONE | Other services Service code 49 | 5800 GRANITE PARKWAY, SUITE 450 PLANO, TX 75024 | $15K |
| INOVA HEALTH CARE SERVICES EIN 54-0620889 NONE | Other services Service code 49 | 3949 PENDER DRIVE, SUITE 310 FAIRFAX, VA 22030 | $2K |
| SOUTHERN SCRIPTS, LLC EIN 47-4999303 NONE | Other services Service code 49 | 411 BIENVILLE STREET NATCHITOCHES, LA 71457 | $500 |
| SELF FUNDING ACTUARIAL SERVICES EIN 56-1472476 NONE | Actuarial Service code 11 | PO BOX 11166 WINSTON SALEM, NC 27116 | $150 |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 47 | $21K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | ROCKPORT BENEFITS | 127 | $164K |
| Other(2 contracts, 2 carriers) | TELADOC HEALTH, INC | 127 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.