| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | HCC BENEFITS CORP | $22K | — | $22K | 10.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK STE 130 SAN ANTONIO, TX 78228 | TEXAS TRUE CHOICE | $8K | — | $8K | 33.79% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 26.10% |
| EBS EMPLOYEE BENEFIT SERVICES INC5 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $705 | — | $705 | 10.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 200.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPROCK HEALTH PLANS EIN 26-1569901 CONTRACT | Claims processing Service code 12 | 4401 82ND ST STE 1200 LUBBOCK, TX 79424 | $44K |
| EBS EMPLOYEE BENEFIT SERVICES 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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TEXAS TRUE CHOICE | 125 | $23K |
| Vision | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 107 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $52K |
| Stop-loss / reinsurancereinsurance | HCC BENEFITS CORP | 125 | $219K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $1K |
| 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.