| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $92K | $173K | 3.46% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | HEALTH ALLIANCE PLAN | $181K | — | $181K | 4.12% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $65K | — | $65K | 10.00% |
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 15.44% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.05% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.64% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | HYATT LEGAL PLANS | $6K | $900 | $6K | 11.86% |
| EBCG LLC3 | 103 E LIBERTY STREET SUITE 212 ANN ARBOR, MI 48104 | HYATT LEGAL PLANS | — | $156 | $156 | 0.28% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | — | $136 | $136 | 0.25% |
| CONDUENT HR CONSULTING LLC3 | DEPT. CH 14061 PALATINE, IL 600554061 | HYATT LEGAL PLANS | — | $13 | $13 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMIN SVC PROVIDER | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $4.4M |
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 | 2,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 566 | $5.1M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 35 | $650K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 6,194 | $1.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 12,730 | $5.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,730 | $5.0M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,730 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,730 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.