| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MISSION EMPLOYER SOLUTIONS3 | 980 HENDERSONVILLE RD SUITE A ASHEVILLE, NC 288032889 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 9.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $12K | 5.50% |
| MISSION EMPLOYER SOLUTIONS3 Filed as: MISSION EMPLOYER SOLUTIONS, LLC | 980 HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | VISION SERVICE PLAN | $1K | — | $1K | 4.81% |
| MISSION EMPLOYER SOLUTIONS3 | 980 HENDERSONVILLE RD SUITE A ASHEVILLE, NC 288032889 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 16.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $276 | $111 | $387 | 6.42% |
| MISSION EMPLOYER SOLUTIONS3 | 980 HENDERSONVILLE RD SUITE A ASHEVILLE, NC 288032889 | METROPOLITAN LIFE INSURANCE COMPANY | $756 | — | $756 | 14.77% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $213 | $85 | $298 | 5.82% |
| MISSION EMPLOYER SOLUTIONS3 | 980 HENDERSONVILLE RD SUITE A ASHEVILLE, NC 288032889 | METROPOLITAN LIFE INSURANCE COMPANY | $242 | — | $242 | 13.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $70 | $28 | $98 | 5.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MISSION EMPLOYER SOLUTIONS NONE | Insurance agents and brokers Service code 22 | 980 HENDERSONVILLE ROAD SUITE A ASHEVILLE, NC 28803 | $23K |
| 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)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 297 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $212K |
| Vision | VISION SERVICE PLAN | 90 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $212K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $212K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $212K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
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.