| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 117 OGLETHORPE PROFESSIONAL CT STE 6 SAVANNAH, GA 31406 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 0.71% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 0.43% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY STE 800 DALLAS, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 2.59% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 1.12% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PKWY STE 800 DALLAS, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $20K | 10.10% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $985 | $13K | 6.59% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PKWY STE 800 DALLAS, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 10.20% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $754 | $10K | 6.50% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY STE 800 DALLAS, TX 75244 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $5K | — | $5K | 82.02% |
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 | 957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,577 | $8.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,577 | $4.6M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,577 | $4.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 957 | $638K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 957 | $444K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 475 | $151K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,577 | $8.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 957 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,577 | — |
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.