| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | HCC BENEFITS CORPORATION | — | $19K | $19K | 11.76% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | TEXAS TRUE CHOICE | $7K | — | $7K | 29.22% |
| EBS EMPLOYEE BENEFIT SERVICES INC Filed as: EBS EMPLOYEE BENEFIT SERVICES INC. | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | AMERITAS LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES, INC | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 39.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPROCK HEALTH PLANS EIN 26-1569907 CONTRACT | Claims processing Service code 12 | 4401 82ND STREET STE 1200 LUBBOCK, TX 79424 | $44K |
| EBS EMPLOYEE BENEFIT SERVICES INC EIN 74-2720659 CONTRACT | Claims processing Service code 12 | 4318 WOODCOCK STE 130 SAN ANYONIO, TX 78228 | $1K |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TEXAS TRUE CHOICE | 130 | $23K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 66 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIE INSURANCE COMPANY | 133 | $37K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 59 | $6K |
| Stop-loss / reinsurancereinsurance | HCC BENEFITS CORPORATION | 130 | $159K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.