| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDCOST BENEFIT SERVICES | 165 KIMEL PARK DRIVE PO BOX 25987 WINSTON SALEM, NC 27103 | UNIMERICA INSURANCE COMPANY | — | $41K | $41K | 12.00% |
| MEDCOST BENEFIT SERVICES | 165 KIMEL PARK DR SUITE 100 WINSTON SALEM, NC 27103 | UNIMERICA INSURANCE COMPANY | — | $4K | $4K | 1.28% |
| SENN DUNN INSURANCE | A MARSH MCLENNAN AGENCY LLC PO BOX 9395 GREENSBORO, NC 27429 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC SENN | PO BOX 9375 GREENSBORO, NC 274290375 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $38 | $8K | 12.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | — | $557 | $557 | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 THIRD PARTY | Contract Administrator Service code 13 | 165 KIMEL PARK DRIVE WINSTON SALEM, NC 27103 | $31K |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 110 | $345K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $67K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 128 | $94K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 128 | $94K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 128 | $94K |
| Other | AETNA LIFE INSURANCE COMPANY | 128 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.