| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WCI EMPLOYER'S CHOICE, INC.3 Filed as: WCI, INC | ONE TOWN SQUARE BLVD, STE 100 ASHEVILLE, NC 28803 | BERKLEY LIFE & HEALTH INSURANCE CO | $57K | — | $57K | 10.00% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 5.77% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | DELTA DENTAL OF NORTH CAROLINA | $13K | — | $13K | 10.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 NONE | Contract Administrator Service code 13 | — | $56K |
| WCI EMPLOYERS CHOICE INC EIN 20-0410005 NONE | Insurance agents and brokers Service code 22 | — | $12K |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 319 | $133K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $156K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $156K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $156K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE CO | 157 | $569K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.