| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$209 | -$209 | -0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES IMC. | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$10K | -$10K | -1.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE S SALUD, INC | $1K | $0 | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $756K |
| METROPOLITAN LIFE INS. COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $370K |
| EXPRESS SCRIPTS INC. EIN 22-3461740 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $283K |
| FLIPT, LLC EIN 82-4987303 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $249K |
| PRUDENTIAL INSURANCE CO EIN 22-1211670 ADDITIONAL RISK CHARGE | Other investment fees and expenses; Investment management Service code 28 | — | $236K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,843 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,383 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC | 8 | $29K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 20 | $13K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 962 | $2.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 835 | $981K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.