| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY STE 800 ADDISON, TX 75001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 9.67% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY STE 800 ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $872 | — | $872 | 1.36% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $113 | — | $113 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Other fees Service code 99 | — | $36K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Other fees; Claims processing; Contract Administrator Service code 12 | — | $10K |
| FLORES AND ASSOCIATES EIN 56-1542307 COBRA ADMINISTRATOR | Other fees; Claims processing Service code 12 | — | $1K |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $488K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 149 | $99K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 149 | $99K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $64K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.