| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC5 Filed as: INTEGRA EMPLOYER HEALTH, LLC | PO BOX 1178 MATTHEWS, NC 28106 | AETNA | $142K | — | $142K | 8.63% |
| INTEGRA EMPLOYER HEALTH LLC5 Filed as: INTEGRA EMPLOYER HEALTH, LLC | PO BOX 1178 MATTHEWS, NC 28106 | HIGHMARK LIFE INSURANCE COMPANY | $51K | — | $51K | 5.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $598K |
| CIGNA EIN 59-1031071 PPO PROVIDER | Insurance services Service code 23 | — | $461K |
| MEDCOST EIN 56-1999192 PPO PROVIDER | Insurance services Service code 23 | — | $152K |
| WNC HEALTH COALITION EIN 56-1828831 PPO PROVIDER | Insurance services Service code 23 | — | $30K |
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 | 10,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 174 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 10,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA | 10,600 | $1.6M |
| Long-term disability | AETNA | 10,600 | $1.6M |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE INSURANCE COMPANY | 5,078 | $869K |
| Other | AETNA | 10,600 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,600 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.