| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.81% |
| ROY D RAMEY3 Filed as: ROY RAMEY | 2909 FAIRVIEW ROAD RALEIGH, NC 27608 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| JOHNNY HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | METROPOLITAN LIFE INSURANCE COMPANY | $836 | — | $836 | 1.24% |
| ROBERT LOWDER3 | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | METROPOLITAN LIFE INSURANCE COMPANY | $836 | — | $836 | 1.24% |
| ROY DEAN RAMY3 | 2909 FAIRVIEW ROAD RALEIGH, NC 27608 | KANSAS CITY LIFE | $3K | — | $3K | 10.00% |
| ASSOCIATION SERVICES OF RALEIGH3 | 252 HARRY LANE SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | $2K | $143 | $2K | 10.61% |
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 8.28% |
| DIASBILITY RMS INC3 | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $897 | $897 | 4.30% |
| EDWARD D SOMMER3 Filed as: EDWARD DENNIS | — | UNION SECURITY INSURANCE COMPANY | $640 | — | $640 | 3.07% |
| DENNIS FENNELL3 Filed as: THE DENNIS COMPANY EMPLOYEE BENEFIT | — | UNION SECURITY INSURANCE COMPANY | $572 | — | $572 | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY | 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $313 | $313 | 1.50% |
| ASSOCIATION SERVICES OF RALEIGH3 Filed as: ASSOCIATION SERVICES OF RELEIGH | 1053 BULLARD COURT RALEIGH, NC 27615 | UNION SECURITY INSURANCE COMPANY | $123 | — | $123 | 0.59% |
| ASSOCIATION SERVICES OF RALEIGH3 Filed as: ASSOCIATION SERVICES OF RELEIGH INC | 1053 BULLARD COURT RALEIGH, NC 27615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $602 | — | $602 | 7.32% |
| ROY D RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 1.65% |
| JOHNNY HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.69% |
| ROBERT LOWDER3 | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.68% |
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.66% |
| DANIEL E JUND3 Filed as: DANIEL JUND | 3333 S BREA CANYON ROAD SUITE 108 DIAMOND BAR, CA 91765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.30% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 21 | $8K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $68K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $68K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $97K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 51 | $21K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $97K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.