| 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 | — | $20K | $20K | 11.76% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 24.46% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | TEXAS TRUE CHOICE | — | $7K | $7K | 27.49% |
| EBS EMPLOYEE BENEFIT SERVICES INC | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | AMERITAS LIFE INSURANCE COMPANY | $1K | — | $1K | 8.62% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | SUN LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $564 | $2K | 14.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPROCK HEALTH PLANS EIN 26-1569907 CONTRACT | Claims processing Service code 12 | 4401 82ND STREET STE 1200 LUBBOCK, TX 79424 | $46K |
| EBS EMPLOYEE BENEFIT SERVICES INC EIN 74-2720659 CONTRACT | Claims processing Service code 12 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | $2K |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TEXAS TRUE CHOICE | 130 | $24K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 66 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $28K |
| Short-term disability | SUN LIFE INSURANCE COMPANY | 70 | $16K |
| Stop-loss / reinsurancereinsurance | HCC BENEFITS CORPORATION | 130 | $171K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.