| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC5 | P.O. BOX 1178 MATTHEWS, NC 28106 | BERKLEY LIFE AND HEALTH | — | $428K | $428K | — |
| INTEGRA EMPLOYER HEALTH LLC5 | P.O. BOX 1178 MATTHEWS, NC 28106 | AETNA LIFE INSURANCE COMPANY | — | $54K | $54K | — |
| INTEGRA EMPLOYER HEALTH LLC5 | P.O. BOX 1178 MATTHEWS, NC 28106 | AETNA LIFE INSURANCE COMPANY | — | $34K | $34K | — |
| INTEGRA EMPLOYER HEALTH LLC5 | P.O. BOX 1178 MATTHEWS, NC 28106 | AETNA LIFE INSURANCE COMPANY | — | $108K | $108K | — |
| INTEGRA EMPLOYER HEALTH LLC5 | P.O. BOX 1178 MATTHEWS, NC 28106 | VISION SERVICE PLAN | $1K | $36K | $38K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 | Contract Administrator Service code 13 | P.O. BOX 1178 MATTHEWS, NC 28106 | $90K |
| CIGNA EIN 59-1031071 | Insurance services Service code 23 | P.O. BOX 645014 CINCINNATI, OH 45264 | $55K |
| TELADOC, INC. EIN 04-3705970 | Insurance services Service code 23 | P.O. BOX 123417 DALLAS, TX 75312 | $3K |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH | 316 | $0 |
| Vision | VISION SERVICE PLAN | 222 | $0 |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 415 | $0 |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 240 | $0 |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 240 | $0 |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH | 316 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.