| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $24K | $31K | 4.30% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $495 | $4K | 16.90% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.97% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $715K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $715K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $715K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $25K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.