| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $198K | $198K | 0.73% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $126K | $126K | 0.81% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $103 | $103 | 0.00% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43K | $43K | 0.75% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $103 | $103 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | ANTHEM/BLUE CROSS OF CALIFORNIA | — | $596 | $596 | 0.01% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $114K | $12K | $127K | 11.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE-S SALUD | $10K | — | $10K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $6.2M |
| EXPRESS SCRIPTS INC EIN 22-3461740 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $2.4M |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $1.2M |
| AON CONSULTING INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | $322K |
| GRAND ROUNDS INC EIN 45-3580052 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $240K |
| EBCG LLC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 600151265 | $137K |
| SPECTERA INC EIN 52-1260282 CLAIMS PROCESSOR | Contract Administrator Service code 13 | — | $75K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $61K |
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 | 22,798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,146 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | ANTHEM/BLUE CROSS OF CALIFORNIA | 741 | $9.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 58,567 | $27.3M |
| Vision | VISION SERVICE PLAN | 11,020 | $3.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 43,604 | $15.6M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,592 | $5.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,592 | $5.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,604 | $16.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,567 | — |
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.