| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMIN SVC PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services 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 | 3,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE PLAN | 566 | $4.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 6,194 | $704K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,730 | $5.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,730 | $5.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 12,730 | $5.0M |
| 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.