| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $209K | $209K | 0.76% |
| EBCG LLC3 | P O BOX 1702 RUTHERFORD, NJ 070700702 | METROPOLITAN LIFE INSURANCE COMPANY | — | $117K | $117K | 0.83% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $146 | $146 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 333 S HOPE ST #3750 LOS ANGELES, CA 90071 | ANTHEM/BLUE CROSS OF CALIFORNIA | $69K | $1K | $70K | 1.54% |
| EBCG LLC3 | P O BOX 1702 RUTHERFORD, NJ 070700702 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 0.81% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $146 | $146 | 0.00% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73 | $73 | 0.00% |
| EBCG LLC3 | P O BOX 1702 RUTHERFORD, NJ 070700702 | HYATT LEGAL PLANS | $70K | $3K | $73K | 7.05% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | HYATT LEGAL PLANS | $34K | — | $34K | 3.31% |
| EBCG LLC3 | 103 E. LIBERTY ST, SUITE 212 ANN ARBOR, MI 48104 | HYATT LEGAL PLANS | — | $7K | $7K | 0.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE-S SALUD | $12K | — | $12K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $6.0M |
| EXPRESS SCRIPTS INC EIN 22-3461740 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.8M |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| SPECTERA INC EIN 52-1260282 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $68K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $34K |
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 | 23,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 766 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 822 | $14.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 53,446 | $27.5M |
| Vision | VISION SERVICE PLAN | 11,704 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 43,582 | $14.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,992 | $3.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,992 | $3.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,582 | $15.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,446 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.