| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 3150 N ELM STE 201 GREENSBORO, NC 27408 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | — | $75K | 10.69% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $4.4M |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $369K |
| USI INSURANCE SERVICES LLC BROKER | Insurance agents and brokers Service code 22 | 2502 NORTH ROCKY POINT DRIVE STE 400 TAMPA, FL 33607 | $60K |
| STEALTH PARTNER GROUP BROKER | Insurance agents and brokers Service code 22 | 18700 HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | $58K |
| TRANSCARENT EIN 84-3296541 CASE MANAGEMENT | Other fees Service code 99 | — | $30K |
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 | 681 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 775 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $704K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $704K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $755K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $51K |
| Stop-loss / reinsurancereinsurance | STEALTH (SLIS)-PARTNERRE-PARTNERRE | 681 | $595K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 974 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.