Form 5500 · Employee benefit plan · CLINTON, NC
STAR TELEPHONE MEMBERSHIP CORPORATI
The filing calls this plan STAR TELEPHONE EMPLOYEE WELFARE PLAN.
STAR TELEPHONE MEMBERSHIP CORPORATI of CLINTON, NC files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is EBENCONCEPTS COMPANY. Coverage is written through GERBER LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-0706976 · plan 502 · plan year 2025, filed Apr 23, 2026
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering health, dental, life and stop-loss; the largest, with GERBER LIFE INSURANCE COMPANY, covers 162 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $585,853, with $36,280 in disclosed broker commissions — about 6.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
EBENCONCEPTS COMPANY is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 162 | Jan 1, 2026 | $69,895 | $13,979 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental | 164 | Jan 1, 2026 | $158,575 | $11,100 |
| GERBER LIFE INSURANCE COMPANY | Stop-loss | 162 | Jan 1, 2026 | $352,568 | $10,238 |
| TELADOC HEALTH, INC. | Health | 162 | Jan 1, 2026 | $4,815 | $963 |
Premium and claims on this contract
GERBER LIFE INSURANCE COMPANY, contract GB00242NC-02. For the contract year on this filing, the carrier reported $352,568 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- GERBER LIFE INSURANCE COMPANY, contract GB00242NC-02 reported $0 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
Named on Schedule C of this filing. We publish company names only.
How this plan compares
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