| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $287K | $24K | $311K | 12.93% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY | $7K | $25K | $31K | 1.40% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $13K | $24K | 2.19% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $5K | $22K | 6.22% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 8.22% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | $2K | $2K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 1.59% |
No Schedule C service providers reported on this filing.
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 | 8,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 160 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,306 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $235K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,945 | $3.9M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 706 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 8,120 | $2.2M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 455 | $3.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,945 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,945 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.