| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 752443909 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37K | — | $37K | 7.00% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | LINCOLN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other commissions; Other services Service code 12 | 1333 W. LOOP S., SUITE 1100 HOUSTON, TX 77027 | $90K |
| EMPLOYERS DIRECT HEALTH, INC. EIN 75-2322062 FSA ADMINISTRATOR | Other fees; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | $24K |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $13K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 301 | $24K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $17K |
| Long-term disability | LINCOLN LIFE INSURANCE COMPANY | 266 | $37K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 214 | $522K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.