| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 639 EXECUTIVE PLACE SUITE 202 FAYETTEVILLE, NC 28305 | BLUERE OF TENNESSEE | — | $10K | $10K | 1.57% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 639 EXECUTIVE PLACE SUITE 202 FAYETTEVILLE, NC 28305 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $14K | $4K | $18K | 41.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE, EIN 62-0427913 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $120K |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUERE OF TENNESSEE | 224 | $681K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 224 | $44K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 224 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.