| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $409K | $409K | 1.93% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72 | $72 | 0.00% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$62K | -$62K | -0.44% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40K | $40K | 1.22% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72 | $72 | 0.00% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $101K | $22K | $123K | 14.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE-S SALUD | $9K | — | $9K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $6.1M |
| EXPRESS SCRIPTS INC EIN 22-3461740 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.4M |
| FLIPT. LLC EIN 82-4987303 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $272K |
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 | 13,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 634 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | ANTHEM/BLUE CROSS OF CALIFORNIA | 696 | $8.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 36,300 | $21.3M |
| Vision | VISION SERVICE PLAN | 10,945 | $3.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 26,519 | $14.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,457 | $3.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,457 | $3.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,519 | $14.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,300 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.