| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $417K | $52K | $469K | 18.85% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY | — | $15K | $15K | 0.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY | — | $12K | $12K | 0.54% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $25K | $37K | 3.30% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $8K | $29K | 6.81% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $278 | $278 | 0.07% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $4K | $4K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $251 | $251 | 1.25% |
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 | 7,667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 236 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,541 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 796 | $387K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,515 | $3.7M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 0 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 7,839 | $2.2M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 450 | $3.1M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,515 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,515 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.