| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MISSION EMPLOYER SOLUTIONS3 Filed as: MISSION EMPLOYER SOLUTION | 980 HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 14.80% |
| MISSION EMPLOYEE SOLUTIONS3 | 980 HENDERSONVILLE ROAD ASHEVILLE, NC 28226 | COMMUNITY EYE CARE | $5K | — | $5K | 10.00% |
| HEALTH STATE INC3 | 509 BILTMORE AVENUE ASHEVILLE, NC 28801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 11.97% |
| MISSION EMPLOYER SOLUTIONS3 | 50 SCHENCK PARKWAY ASHEVILLE, NC 28803 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.59% |
No Schedule C service providers reported on this filing.
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 893 | $54K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 813 | $277K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 813 | $277K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 813 | $277K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 734 | $1.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 813 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 893 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.