| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LC LOCKTON COMPANIES, L | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.1M | — | $1.1M | 18.44% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.1M | — | $1.1M | 18.44% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $29K | — | $29K | 1.58% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22K | $22K | 1.27% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT GROUP, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $344K | — | $344K | 33.71% |
| FIRST HEALTH3 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | NATIONWIDE | $86K | — | $86K | 8.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $21K | — | $21K | 3.26% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.99% |
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 | 8,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 775 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 2,215 | $5.3M |
| Dental | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 220 | $2.4M |
| Vision | EYEMED VISION CARE | 1,135 | $651K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,316 | $1.7M |
| Short-term disability(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 18,316 | $7.9M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,316 | $1.7M |
| Prescription drug | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 220 | $2.4M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 18,316 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,316 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.