| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $22K | $85K | 22.87% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75246 | GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | $26K | — | $26K | 15.00% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 12.00% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75246 | EYEMED VISION CARE | $4K | — | $4K | 6.95% |
| EBENCONCEPTS COMPANY3 | 921-C S. MCPHERSON CHURCH ROAD FAYETTEVILLE, NC 28303 | UNION SECURITY DENTALCARE OF GEORGIA | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD HEALTHPL EIN 58-1638390 TPA | Other services; Other fees; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $333K |
| EBENCONCEPTS COMPANY, INC. EIN 75-2966596 CONSULTANT | Consulting (general); Consulting fees Service code 16 | — | $50K |
| BLUE CROSS AND BLUE SHIELD OF GEORG EIN 58-0469845 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other fees Service code 12 | — | $12K |
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 | 679 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY DENTALCARE OF GEORGIA | 193 | $31K |
| Vision | EYEMED VISION CARE | 912 | $53K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 655 | $237K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 679 | $374K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 679 | $544K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 567 | $403K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 655 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.