| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | HUMANA INSURANCE COMPANY | $45K | $2K | $47K | 21.20% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | — | $31K | 21.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYERS DIRECT HEALTH EIN 75-2322062 ADMINISTRATOR | Claims processing Service code 12 | — | $110K |
| EBENCONCEPTS EIN 75-2966596 CONSULTANT | Consulting (general) Service code 16 | — | $52K |
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 | 355 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 323 | $679K |
| Dental | HUMANA INSURANCE COMPANY | 332 | $223K |
| Vision | HUMANA INSURANCE COMPANY | 332 | $223K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $143K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $143K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE COMPANY | 323 | $679K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 323 | $679K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.