| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BC INSOURCING LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $742K | — | $742K | 18.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $742K | — | $742K | 18.28% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | ANTHEM LIFE INSURANCE COMPANY | — | $75K | $75K | 2.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | — | $49K | $49K | 1.67% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $22K | — | $22K | 1.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $16K | — | $16K | 0.80% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 0.74% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD, STE 401 AUSTIN, TX 78726 | NATIONWIDE | $62K | — | $62K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | EYEMED VISION CARE | $20K | — | $20K | 2.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $8K | — | $8K | 1.24% |
| EBCG LLC3 Filed as: EBCG LLC DBA VORTUS | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | EYEMED VISION CARE | $3K | — | $3K | 0.50% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANSCE COMPANY | — | $39 | $39 | 0.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.4M |
| FRINGE INSURANCE BENEFITS, INC. EIN 74-2616364 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $386K |
| FIRST HEALTH EIN 20-1736437 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $96K |
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 | 19,021 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 9,191 | $9.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 12,344 | $6.2M |
| Vision | EYEMED VISION CARE | 11,261 | $683K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,743 | $1.7M |
| Short-term disability(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 16,743 | $5.9M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,743 | $1.7M |
| Prescription drug | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 348 | $2.4M |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE COMPANY | 62,311 | $3.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,743 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62,311 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.