| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCOME & CAPITAL ASSOCIATES OF ASHE3 | 1127-B HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.74% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA & ASSOCIATES | 100 MIRACLE MILE ST 250 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.60% |
| AON CONSULTING INC3 Filed as: LAWRENCE SMITH, AON | 101 S. TRYON STREET, SUITE 2550 CHARLOTTE, NC 28280 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $34K | — | $34K | 4.95% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS COMPANY, INC. | 921-C S. MCPHERSON CHURCH ROAD FAYETTEVILLE, NC 28303 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $7K | — | $7K | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $520K |
| VICKERY FAMILY MEDICINE ONSITE MEDICAL CLINIC | Other fees Service code 99 | 15 GRIFFING BLVD. ASHEVILLE, NC 28804 | $308K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $15K |
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Consulting fees; Consulting (general) Service code 16 | — | $13K |
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 | 1,328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,328 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,328 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,328 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,328 | $1.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 854 | $696K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,328 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,328 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.