| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, LLC | 682 NORTH BROOKSIDE ROAD ALLENTOWN, PA 18106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $63K | $0 | $63K | 10.04% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 3.23% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 0.91% |
| EMPLOYEE BENEFITS CONSULTING GROUP3 Filed as: EMPLOYEE BENEFITS CONSULTING | 682 NORTH BROOKSIDE ROAD, SUITE 100 ALLENTOWN, PA 18106 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.32% |
| EMPLOYEE BENEFITS CONSULTING GROUP3 Filed as: EMPLOYEE BENEFITS CONSULTING | 682 NORTH BROOKSIDE ROAD, SUITE 100 ALLENTOWN, PA 18106 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| EMPLOYEE BENEFITS CONSULTING GROUP3 Filed as: EMPLOYEE BENEFITS CONSULTING | 682 NORTH BROOKSIDE ROAD, SUITE 100 ALLENTOWN, PA 18106 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 17.35% |
| EMPLOYEE BENEFITS CONSULTING GROUP3 Filed as: EMPLOYEE BENEFITS CONSULTING | 682 NORTH BROOKSIDE ROAD, SUITE 100 ALLENTOWN, PA 18106 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $424 | $2K | 3.77% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, LLC | 682 NORTH BROOKSIDE ROAD ALLENTOWN, PA 18106 | METLIFE LEGAL PLANS | $673 | $0 | $673 | 21.11% |
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 | 904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,813 | $453K |
| Vision | HM LIFE INSURANCE COMPANY | 1,670 | $103K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $628K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $628K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $628K |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,813 | — |
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.