| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS EMPLOYEE BENEFIT SERVICES INC5 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 782281315 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $10K | $38K | 15.01% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 782281315 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.56% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 782281315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $3K | $32K | 23.54% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 782281315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.04% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 782281315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $10K | 22.51% |
| EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DRIVE SAN ANTONIO, TX 78228 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.98% |
| BENEFITPORT SOUTHWEST | 6100 WESTERN PLACE, STE 1050 FORT WORTH, TX 76107 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 782281315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $762 | $6K | 17.15% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $252K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 486 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $194K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $237K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.