| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | MUTUAL OF OMAHA | $28K | — | $28K | 18.83% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | COMPBENEFITS INSURANCE COMPANY | $6K | $146 | $6K | 4.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYERS DIRECT HEALTH EIN 75-2322062 ADMINISTRATOR | Claims processing Service code 12 | — | $102K |
| EBENCONCEPTS EIN 75-2966596 CONSULTANT | Consulting (general) Service code 16 | — | $48K |
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 | 323 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 299 | $610K |
| Dental | COMPBENEFITS INSURANCE COMPANY | 302 | $138K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 302 | $138K |
| Life insurance | MUTUAL OF OMAHA | 323 | $147K |
| Short-term disability | MUTUAL OF OMAHA | 323 | $147K |
| Long-term disability | MUTUAL OF OMAHA | 323 | $147K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 299 | $610K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 299 | $610K |
| Other | MUTUAL OF OMAHA | 323 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
No prospect flags tripped on this filing.