| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS5 | P.O BOX 3262 CHARLESTON, WV 253323262 | HEALTHSMART BENEFIT SOLUTIONS | — | $174K | $174K | 5.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO INSURANCE SVCS USA EIN 56-1882208 CONSULTANTS | Consulting (general) Service code 16 | 213 SOUTH JEFFERSON ST SW STE 1402 ROANOKE, VA 240111717 | $57K |
| EMPLOYEE ASSISTANCE NETWORK EIN 20-5468358 CONSULTANT | Consulting (general) Service code 16 | DOCTORS PARK 3C, 417 BILTMORE AVE ASHEVILLE, NC 28801 | $11K |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHSMART BENEFIT SOLUTIONS | 459 | $3.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 633 | $111K |
| Life insurance(3 contracts, 2 carriers) | AETNA | 522 | $190K |
| Short-term disability(3 contracts, 2 carriers) | AETNA | 522 | $155K |
| Long-term disability(2 contracts, 2 carriers) | AETNA | 522 | $114K |
| Other | HEALTHSMART BENEFIT SOLUTIONS | 459 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.