| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY RD DALLAS, TX 75244 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | $10K | $10K | 1.04% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 5050 SPRING VALLEY RD DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $24K | 13.58% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY RD DALLAS, TX 75244 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $5K | $14K | 15.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Consulting fees; Consulting (general) Service code 16 | — | $24K |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 104 | $961K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 122 | $95K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 122 | $95K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $179K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $179K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $179K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 104 | $961K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.