| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDCOST BENEFIT SERVICES | 165 KIMEL PARK DR SUITE 100 WINSTON-SALEM, NC 27103 | UNIMERICA INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - SENN DUNN | PO BOX 9375 GREENSBORO, NC 27429 | HARTFORD LIFE AND ACCIDENT | $5K | $5K | $10K | 21.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - SENN DUNN | 1400 EASTCHESTER DR SUITE 200 HIGH POINT, NC 27265 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $974 | $3K | 8.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - SENN DUNN | 1400 EASTCHESTER DR SUITE 200 HIGH POINT, NC 27265 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $300 | $2K | 17.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 24042 WINSTON-SALEM, NC 27114 | $72K |
| SENN DUNN, MARSH & ROLAND, INC EIN 56-0373700 BROKER | Insurance agents and brokers Service code 22 | 1400 EASTCHESTER DR SUITE 200 HIGH POINT, NC 27265 | $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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 192 | $87K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 192 | $87K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 188 | $60K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 182 | $379K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 192 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.