| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MISSION EMPLOYER SOLUTIONS3 Filed as: MISSION EMPLOYER SOLUTIONS, LLC | PO BOX 603623 CHARLOTTE, NC 28260 | DELTA DENTAL OF NORTH CAROLINA | $6K | — | $6K | 5.42% |
| MISSION EMPLOYER SOLUTIONS3 Filed as: MISSION EMPLOYER SOLUTIONS, LLC | 980 HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | VISION SERVICE PLAN | $1K | — | $1K | 4.51% |
| MISSION EMPLOYER SOLUTIONS3 Filed as: MISSION EMPLOYER SOLUTIONS LLC | 1940 HENDERSONVILLE RD ASHEVILLE, NC 28803 | CONTINENTAL AMERICAN INSURANCE COMPANY | $731 | — | $731 | 14.22% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS LLC | PO BOX 1370 MT PLEASANT, SC 29465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 3.99% |
| SUSAN RUSSELL3 | 120 W ALLEN STREET SUITE 20 HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MISSION EMPLOYER SOLUTIONS NONE | Insurance agents and brokers Service code 22 | 980 HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | $22K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Contract Administrator Service code 13 | — | $6K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 313 | $2.5M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 243 | $116K |
| Vision | VISION SERVICE PLAN | 87 | $29K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $28K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.