| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $62K | — | $62K | 3.58% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $20K | — | $20K | 1.19% |
| PATRICIA HERNANDEZ3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 0.10% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFITS SERVICES, INC | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | BLUECROSS BLUESHIELD OF TEXAS | — | $5 | $5 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $14K | — | $14K | 4.79% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 Filed as: EBS EMPLOYEE BENEFIT SERVICES, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 0.60% |
| ESPERANZA HEALTH SYSTEMS, LTD DBA L3 | 145 LA HACIENDA WAY HUNT, TX 78024 | BLUECROSS BLUESHIELD OF TEXAS | — | $1 | $1 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NORTHEAST LOOP 410 SUITE 690 SUITE 130 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | — | $1 | $1 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 8.64% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 1.36% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.21% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 8.41% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.50% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $907 | $2K | 9.70% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.95% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $884 | $968 | $2K | 10.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.25% |
| 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 | $631 | $734 | $1K | 8.13% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $752 | $655 | $1K | 9.36% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $578 | $707 | $1K | 8.89% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NORTHEAST LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | MUTUAL OF OMAHA INSURANCE COMPANY | $562 | — | $562 | 11.08% |
| EBS EMPLOYEE BENEFIT SERVICES INC3 | 4318 WOODCOCK DRIVE SUITE 130 SAN ANTONIO, TX 78228 | MUTUAL OF OMAHA INSURANCE COMPANY | $198 | $178 | $376 | 7.41% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF TEXAS | 247 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 123 | $98K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 118 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $33K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $33K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.