| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $256K | $34K | $290K | 16.90% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $59K | — | $59K | 10.06% |
| CENTERED INSURANCE SOLUTIONS, INC.3 Filed as: CENTERED INSURANCE SOLUTIONS INC | 1100 FLYNN RD UNIT 102 CAMARILLO, CA 93012 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 5.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32440 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 1.63% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | UNUM INSURANCE COMPANY | $17K | $3K | $20K | 17.45% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $14K | 15.22% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $453 | $3K | 13.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Consulting fees; Consulting (general) Service code 16 | — | $36K |
| FLORES AND ASSOCIATES EIN 56-1542307 FSA ADMINISTRATOR | Insurance services; Account maintenance fees; Other insurance fees and expenses Service code 23 | — | $8K |
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 | 1,454 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 710 | $8.2M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,454 | $591K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 809 | $95K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $1.7M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 710 | $7.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,028 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,454 | — |
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."
No prospect flags tripped on this filing.