| 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 | $22K | — | $22K | 11.76% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 24.27% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | TEXAS TRUE CHOICE | $7K | — | $7K | 27.49% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $170 | $4K | 20.97% |
| EBS EMPLOYEE BENEFIT SERVICES INC | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 28228 | AMERITAS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $604 | $2K | 14.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPROCK HEALTH PLANS EIN 26-1569907 CONTRACT | Claims processing Service code 12 | 4401 82ND ST STE 1200 LUBBOCK, TX 79424 | $55K |
| EBS EMPLOYEE BENEFIT SERVICES INC EIN 74-2720659 CONTRACT | Claims processing Service code 12 | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | $3K |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TEXAS TRUE CHOICE | 125 | $26K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 28 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $48K |
| Stop-loss / reinsurancereinsurance | HCC BENEFITS CORPORATION | 125 | $191K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.