| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WCI EMPLOYER'S CHOICE, INC.3 Filed as: WCI, INC | ONE TOWN SQUARE BLVD, STE 100 ASHEVILLE, NC 28803 | BERKLEY LIFE & HEALTH INSURANCE CO | $19K | — | $19K | 2.37% |
| WCI EMPLOYER'S CHOICE, INC.3 Filed as: WCI, INC | ONE TOWN SQUARE BLVD, STE 100 ASHEVILLE, NC 28803 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $692 | — | $692 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Other fees Service code 99 | — | $85K |
| SONA HEALTH INC EIN 20-2939130 NONE | Other fees Service code 99 | — | $83K |
| WCI EMPLOYERS CHOICE INC EIN 20-0410005 NONE | Insurance agents and brokers Service code 22 | — | $19K |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Other fees Service code 99 | — | $18K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 NONE | Other fees Service code 99 | — | $8K |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $287K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $287K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $287K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $287K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $287K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE CO | 246 | $822K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.