| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES, INC. | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | BLUECROSS BLUESHIELD OF TEXAS | $68K | $22 | $68K | 4.96% |
| ESPERANZA HEALTH SYSTEMS, LTD DBA L3 Filed as: ESPERANZA HEALTH SYSTEMS, LTD | 145 LA HACIENDA WAY HUNT, TX 78024 | BLUECROSS BLUESHIELD OF TEXAS | — | $10 | $10 | 0.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | AMERITAS LIFE INSURANCE CORPORATION | $7K | — | $7K | 10.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.03% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $970 | $5K | 24.32% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $976 | $4K | 25.69% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 18.89% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFITS SERVICES INC | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $755 | $3K | 19.86% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $645 | $3K | 24.71% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS SERVICES | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 229 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 117 | $68K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 107 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $28K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $36K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.