| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 3150 N ELM SUITE 201 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.00% |
| EBENCONCEPTS COMPANY3 | 3150 N ELM STE 201 GREENSBORO, NC 27408 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| EBENCONCEPTS COMPANY3 | 3150 N ELM STE 201 GREENSBORO, NC 27408 | UNUM INSURANCE COMPANY | $8K | $3K | $10K | 18.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRIGHTON EIN 11-3410766 ADMINISTRATOR | Claims processing Service code 12 | — | $6.9M |
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 ADMINISTRATOR | Claims processing Service code 12 | — | $1.2M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIER | Other fees; Contract Administrator Service code 13 | — | $785K |
| VICKERY FAMILY MEDICINE ONSITE MEDICAL CLINIC | Other fees Service code 99 | 15 GRIFFING BLVD. ASHEVILLE, NC 28804 | $437K |
| MEDSTRENGTH EIN 46-4220435 WELLNESS/FITNESS ADMIN | Other fees Service code 99 | — | $115K |
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Consulting fees; Consulting (general) Service code 16 | — | $70K |
| EMPLOYEE ASSISTANCE NETWORK INC EAP SERVICE PROVIDER | Other fees Service code 99 | 5 DOCTORS PARK E1 ASHEVILLE, NC 28801 | $39K |
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 | 1,094 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 870 | $0 |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 936 | $95K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,094 | $586K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,094 | $586K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,094 | $586K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 802 | $768K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,094 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,094 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.