| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBEN CONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | ANTHEM HEALTH PLANS OF VIRGINIA | $19K | — | $19K | 16.21% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY RD DALLAS, TX 75244 | UNITED CONCORDIA INSURANCE COMPANY | $755 | — | $755 | 2.69% |
| EBENCONCEPTS COMPANY3 | 921-CS MCPERSON CHURCH ROAD FAYETTEVILLE, NC 28303 | DEARBORN NATIONAL | $3K | — | $3K | 13.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF VA | 263 WEST MAIN STREET ABINGDON, VA 24210 | DEARBORN NATIONAL | $296 | — | $296 | 1.24% |
| BB&T INS SERVICES INC3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $3 | $2K | 11.06% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 921-C S. MCPHERSON CHURCH ROAD FAYETTEVILLE, NC 28303 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $868 | — | $868 | 4.80% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $389 | — | $389 | 2.15% |
| EBENCONCEPTS COMPANY3 | PO BOX 53941 FAYETTEVILLE, NC 28305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.10% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA | 113 | $120K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 57 | $28K |
| Life insurance | DEARBORN NATIONAL | 121 | $24K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA | 113 | $120K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA | 113 | $120K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 45 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
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.