| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SERVICES OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $60K | $0 | $60K | 7.18% |
| INSURANCE SERVICES OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 2.09% |
| INSURANCE SERVICES OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 3.23% |
| INSURANCE SERVICES OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $292K |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADM EMPLOYEE ASSIST PLAN | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $10K |
| EVERNORTH BEHAVIORAL HEALTH, INC | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $0 |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $372K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $393K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 451 | $833K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.