| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE, INC | PO BOX 530 ASHEVILLE, NC 28802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| INSURANCE SERVICES OF ASHEVILLE3 Filed as: INSURANCE SERVICES OF ASHEVILLE, IN | PO BOX 530 ASHEVILLE, NC 28802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 19.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANIES EIN 23-2238132 TPA | Claims processing Service code 12 | — | $26K |
| INSURANCE SERVICES OF ASHEVILLE, IN EIN 56-0668722 CONSULTANT | Consulting (general) Service code 16 | — | $22K |
| CRESCENT HEALTH SOLUTIONS, INC. EIN 56-2131744 CLAIMS MGMT | Other fees Service code 99 | — | $12K |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $97K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $97K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 113 | $189K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.