| 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% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN ST, NE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRESCENT HEALTH SOLUTIONS EIN 56-2131744 TPA | Contract Administrator; Claims processing Service code 12 | — | $38K |
| INSURANCE SERVICES OF ASHEVILLE, IN EIN 56-0668722 AGENT/BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| FLORES AND ASSOCIATES EIN 56-1542307 FLEX ADMINISTRATION | Other fees Service code 99 | — | $2K |
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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $56K |
| Stop-loss / reinsurancereinsurance | CRESCENT HEALTH SOLUTIONS | 113 | $279K |
| Other(3 contracts, 3 carriers) | CRESCENT HEALTH SOLUTIONS | 113 | $367K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.