| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE SUITE 202 FAYETTEVILLE, NC 28305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | — | $64K | 20.46% |
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE SUITE 202 FAYETTEVILLE, NC 28305 | TRUASSURE INSURANCE COMPANY | $17K | — | $17K | 14.00% |
| ISBI HOLDINGS3 | 3330 HEALY DR WINSTON SALEM, NC 27103 | TRUASSURE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE STE 202 FAYETTEVILLE, NC 28305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $1K | $16K | 27.11% |
| EEBENCONCEPTS COMPANY2 | 639 EXECUTIVE PLACE STE 202 FAYETTEVILLE, NC 28305 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $53K |
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 | 424 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $314K |
| Dental | TRUASSURE INSURANCE COMPANY | 424 | $120K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 271 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $58K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.