| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 | 470 W HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 7.99% |
| RICHARD RAMEY3 | 424 GROSVENOR DRIVE RALEIGH, NC 27615 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.93% |
| ROY D RAMEY3 Filed as: ROY RAMEY | 2909 FAIRVIEW ROAD RALEIGH, NC 27608 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.93% |
| ROY D RAMEY3 Filed as: ROY RAMEY | 7200 CREEDMOOR ROAD SUITE 102A RALEIGH, NC 27613 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 7.19% |
| ROY DEAN RAMEY3 | 7200 CREEDMOOR ROAD SUITE 202-C RALEIGH, NC 27613 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 1.89% |
| RICHARD DEAN RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.79% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.79% |
| ROBERT E LOWDER3 Filed as: ROBERT ERIC LOWDER | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.76% |
| ACS BENEFIT SERVICES LLC3 | 470 W HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | TELEDOC HEALTH INC | $1K | — | $1K | 14.29% |
| ROY D RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $775 | — | $775 | 11.92% |
| MUNICIPAL BENEFITS INCE3 | 1053 BULLARD COURT RALEIGH, NC 27615 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $350 | — | $350 | 5.38% |
| ROBERT E LOWDER3 | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 1.77% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 1.23% |
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.54% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.23% |
| ROY D RAMEY3 | 7200 CREEDMOOR ROAD SUITE 202-C RALEIGH, NC 27613 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 14.99% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $46K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $154K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $154K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 293 | $111K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 293 | $111K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 293 | $102K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $472K |
| Other(5 contracts, 5 carriers) | DEARBORN LIFE INSURANCE COMPANY | 293 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.