| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $2K | $7K | 18.39% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MAMAGEMENT | 45 NE LOOP 410 STE690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 6.40% |
| CROWN RISK MANAGEMENT, LLC Filed as: SPIRE RISK MAMANGEMENT | 45 NE LOOP 410 STE 690 SAN ANTONIO, TX 78216 | AMERITIS LIFE INSURANCE CO | $1K | — | $1K | 6.03% |
| EBS EMPLOYEE BENEFIT SERVICES INC Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE130 SAN ANTONIO, TX 78228 | AMERITIS LIFE INSURANCE CO | $769 | — | $769 | 3.97% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WODCOCK STE130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $687 | $3K | 17.92% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT | 45 NE LOOP 410 STE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 6.46% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE CO. | $853 | $534 | $1K | 11.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MAMAGEMENT | 45 NE LOOP 410 STE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE CO. | $408 | — | $408 | 3.23% |
| CROWN RISK MANAGEMENT, LLC5 Filed as: SPIRE RISK MAMAGEMENT | 45 NE LOOP 410 STE 690 SAN ANTONIO, TX 78228 | GUARDIAN LIFE INSURANCE CO | $532 | — | $532 | 5.15% |
| EBS EMPLOYEE BENEFIT SERVICES INC Filed as: EBS EMPLOYEE BENEFIT SERVICES | 4318 WOODCOCK DR STE 130 SAN ANTONIO, TX 78228 | GUARDIAN LIFE INSURANCE CO | $503 | — | $503 | 4.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPROCK HEALTH PLANS EIN 26-1569901 CONTRACT | Claims processing Service code 12 | 4401 82ND ST STE 1200 LUBBOCK, TX 79424 | $48K |
| 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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITIS LIFE INSURANCE CO | 88 | $19K |
| Vision | GUARDIAN LIFE INSURANCE CO | 101 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 142 | $13K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 98 | $53K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.