| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE STE 202 FAYETTEVILLE, NC 28305 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $78K | $78K | 3.10% |
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE SUITE 202 FAYETTEVILLE, NC 28305 | TRUASSURE INSURANCE COMPANY | $20K | — | $20K | 11.00% |
| ISBI HOLDINGS3 | 3330 HEALY DR WINSTON SALEM, NC 27103 | TRUASSURE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE STE 202 FAYETTEVILLE, NC 28305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 11.96% |
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE STE 202 FAYETTEVILLE, NC 28305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 40.83% |
| QCAIS INC3 | 1701 N MAIN STREET SUITE F HIGH POINT, NC 27262 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $551 | — | $551 | 1.65% |
| EBENCONCEPTS COMPANY2 | 639 EXECUTIVE PLACE STE 202 FAYETTEVILLE, NC 28305 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 568 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $2.5M |
| Dental | TRUASSURE INSURANCE COMPANY | 568 | $182K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 352 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $169K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $169K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 18 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.