| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $7K | $40K | 25.55% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES INC. | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA INSURANCE COMPANY | $10K | $3K | $13K | 19.75% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $12K | 24.81% |
| EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DRIVE SAN ANTONIO, TX 78228 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $156K |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 551 | $41K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $222K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $269K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $40K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 359 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.