| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 | 470 W HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | NORTHWIND LLC | $35K | — | $35K | 8.00% |
| RICHARD RAMEY3 | 424 GROSVENOR DRIVE RALEIGH, NC 27615 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.88% |
| ROY D RAMEY3 Filed as: ROY RAMEY | 2909 FAIRVIEW ROAD RALEIGH, NC 27608 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.88% |
| ROY DEAN RAMEY3 | 7200 CREEDMOOR ROAD SUITE 202-C RALEIGH, NC 27613 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 1.63% |
| RICHARD DEAN RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.77% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.77% |
| ROBERT E LOWDER3 Filed as: ROBERT ERIC LOWDER | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.76% |
| ROY D RAMEY3 | 7200 CREEDMOOR ROAD SUITE 202-C RALEIGH, NC 27613 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.57% |
| ROY D RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $769 | — | $769 | 12.22% |
| MUNICIPAL BENEFITS INCE3 | 1053 BULLARD COURT RALEIGH, NC 27615 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $335 | — | $335 | 5.32% |
| ROBERT E LOWDER3 | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 1.78% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 1.25% |
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.52% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.22% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $50K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $137K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $247K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $247K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $236K |
| Stop-loss / reinsurancereinsurance | NORTHWIND LLC | 234 | $432K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.