| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 6.71% |
| ROY D RAMEY3 Filed as: ROY RAMEY | 2909 FAIRVIEW ROAD RALEIGH, NC 27608 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 6.71% |
| JOHNNY HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.96% |
| ROBERT LOWDER3 | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.96% |
| ROY DEAN RAMEY3 | 7200 CREEDMOOR ROAD SUITE 202-C RALEIGH, NC 27613 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 2.72% |
| RICHARD DEAN RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 1.02% |
| JOHNNY HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 1.02% |
| ROBERT E LOWDER3 Filed as: ROBERT ERIC LOWDER | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 1.00% |
| ROY D RAMEY3 | 7200 CREEDMOOR ROAD SUITE 202-C RALEIGH, NC 27613 | UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $118K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $132K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 0 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $118K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
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.