| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBONCONCEPTS COMPANY3 | 15305 DALLAS PKWY STE 80 ADDISON, TX 750016415 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $32K | — | $32K | 3.83% |
| EBENCONCEPTS COMPANY | 15305 DALLAS PKWY STE 80 ADDISON, TX 750016415 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 14.23% |
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE | 2040 MAIN ST STE 450 IRVINE, CA 926148274 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.55% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 105 | $847K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 106 | $972K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 106 | $972K |
| Life insurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 106 | $972K |
| Short-term disability(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 106 | $972K |
| Long-term disability | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 105 | $847K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 105 | $847K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 105 | $847K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.