| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDCOST BENEFIT SERVICES3 | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | HCC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| BANYAN CONSULTING GROUP INC3 | 333 N GREEN ST STE 101 GREENSBORO, NC 27401 | UNION SECURITY INSURANCE COMPANY | $3K | $1K | $4K | 6.05% |
| ALAN B OVERBEY3 Filed as: ALAN OVERBEY | 333 NORTH GREENE STREET SUITE 101 GREENSBORO, NC 27401 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.50% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 142 | $72K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 196 | $57K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 196 | $57K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 173 | $346K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 196 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.