| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $63K | $2K | $65K | 2.28% |
| MOUNTCASTLE INSURANCE3 Filed as: G W MOUNTCASTLE AGENCY INC | 307 W CENTER ST LEXINGTON, NC 27292 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 12.25% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.65% |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 367 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $62K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $62K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $62K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $62K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.