| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD RAMEY3 | 424 GROSVENOR DRIVE RALEIGH, NC 27615 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.41% |
| ROY D RAMEY3 Filed as: ROY RAMEY | 2909 FAIRVIEW ROAD RALEIGH, NC 27608 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.41% |
| ROY D RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $465 | — | $465 | 7.31% |
| ROBERT E LOWDER3 | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 5.88% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS INC | 1053 BULLARD COURT RALEIGH, NC 27615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $265 | — | $265 | 4.16% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 1.12% |
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.47% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| ROY DEAN RAMEY3 | 7200 CREEDMOOR ROAD SUITE 202-C RALEIGH, NC 27613 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 1.80% |
| RICHARD DEAN RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.25% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.25% |
| ROBERT E LOWDER3 Filed as: ROBERT ERIC LOWDER | 609 HAZELWOOD DRIVE ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.25% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS INC | PO BOX 28784 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 4.64% |
| ROY D RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 2.38% |
| RICHARD RAMEY3 | 6701 CANDLEWOOD DRIVE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.90% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.34% |
| ROBERT E LOWDER3 | 9747 PINE TREE ROAD NORWOOD, NC 28128 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.34% |
| EDWARD BRIAN JUND3 | 34 FALKNER DRIVE LADERA RANCH, CA 92694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.23% |
| ROY D RAMEY3 | PO BOX 17967 RALEIGH, NC 27619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 10.04% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS INC | PO BOX 98784 RALEIGH, NC 27624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 1.65% |
| ROBERT E LOWDER3 | 9747 PINE TREE ROAD NORWOOD, NC 28128 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 1.18% |
| JOHNNY C HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.94% |
| EDWARD BRIAN JUND3 | 34 FALKNER DRIVE LADERA RANCH, CA 92694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.12% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 249 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $153K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $153K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 222 | $102K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 222 | $102K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 222 | $98K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 249 | $2.6M |
| Other(5 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 222 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.