| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | PO BOX - 1702 RUTHERFORD, NJ 070700702 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $103K | $176K | 3.35% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, INC | 3000 TOWN CENTER #1200 SOUTHFIELD, MI 48075 | HEALTH ALLIANCE PLAN | $124K | — | $124K | 4.67% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | 200 BERWYN PARK SUITE 110 BERWYN, PA 19312 | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | $42K | — | $42K | 9.24% |
| EBCG LLC3 | PO BOX 1702 RUTHERFORD, NJ 07070 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 14.22% |
| EBCG LLC3 | PO BOX 1702 RUTHERFORD, NJ 07070 | HYATT LEGAL PLANS | $4K | — | $4K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMIN SVC PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing Service code 12 | — | $3.4M |
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 | 2,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 460 | $3.1M |
| Dental | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | 29 | $458K |
| Vision(2 contracts, 2 carriers) | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,739 | $685K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,891 | $5.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,891 | $5.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,891 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,891 | — |
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."
No prospect flags tripped on this filing.