| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 4.22% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHEVILLE, NC 28802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.03% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHVILLE, NC 28802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.03% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHEVILLE, NC 28802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.03% |
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE INC | PO BOX 530 ASHEVILLE, NC 28802 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.71% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHEVILLE, NC 28802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $696 | — | $696 | 11.03% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $71K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $624K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.