Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Ebenconcepts Company HealthStop-lossDentalVision | HealthStop-lossDentalVision | Pro |
See premium, retention and renewal dates for 2 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Bluecross Blueshield of Tennessee, Inc. | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE, EIN 62-0427913 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | — | $33K |
| EBENCONCEPTS COMPANY CONSULTANT | Consulting (general); Other fees Service code 16 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | $5K |
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 | 35 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 35 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 35 | $107K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 35 | $17K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 35 | $17K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 35 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35 | — |
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 the prior filing. The plan is willing to move. Re-pitch on the next cycle.
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.