| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOUZON BASS3 | 6138 MEADOW ROAD DALLAS, TX 75230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.79% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS CO | 5050 SPRING VALLEY RD DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $715 | $6K | 17.92% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $561 | $5K | 17.00% |
| EBEN CONCEPTS COMPANY3 Filed as: EBEN CONCEPTS | 921-C SOUTH MCPHERSON CHURCH ROAD FAYETTEVILLE, NC 28303 | COMMUNITY EYE CARE | $3K | — | $3K | 11.00% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $312 | $3K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBENCONCEPTS COMPANY, INC. EIN 75-2322062 NONE | Consulting (general); Consulting fees Service code 16 | 5050 SPRING VALLEY ROAD DALLAS, TX 752443909 | $42K |
| EMPLOYERS DIRECT HEALTH, INC. EIN 75-2322062 NONE | Contract Administrator; Other fees; Claims processing Service code 12 | 5050 SPRING VALLEY ROAD DALLAS, TX 752443909 | $36K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 118 | $252K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $100K |
| Vision | COMMUNITY EYE CARE | 145 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $36K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $36K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 118 | $252K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.