| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 1.48% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $4K | $24K | 10.92% |
| PEAR BENEFITS INC3 Filed as: PEAR BENEFITS INC. | 5 PRESTON CT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.70% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | VISION SERVICE PLAN | $973 | — | $973 | 5.96% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 260 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $221K |
| Vision | VISION SERVICE PLAN | 113 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $221K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $221K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.