| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $3K | $28K | 13.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 2040 MAIN ST STE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.40% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $17K | 17.38% |
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SERVICES INC. | PO BOX 680 CLINTON, NC 28329 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 ADMINISTRATOR | Claims processing Service code 12 | — | $86K |
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Other fees Service code 99 | — | $36K |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 200 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $211K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $211K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $211K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $96K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 200 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.