| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 ADDISON, TX 75001 | UNITEDHEALTHCARE INSURANCE COMPANY | $131K | $0 | $131K | 4.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, 30TH FLOOR SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 0.91% |
| MOUZON BASS | 4430 BORDEAUX AVENUE DALLAS, TX 75205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.87% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $426 | $0 | $426 | 0.14% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | $0 | $38K | 15.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.89% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 DALLAS, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $336 | $3K | 13.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $555 | $74 | $629 | 3.07% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 596 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 364 | $294K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 364 | $294K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $21K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $255K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.