| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 Filed as: EBCG LLC DBA VERTUS | 2205 LAKESIDE DR BANNOCKBURN, IA 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $55K | — | $55K | 2.74% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF ROAD TOWER 3 SUITE 700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.14% |
| EBCG LLC3 Filed as: EBCG LLC DBA VERTUS | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | STARMOUNT LIFE INSURANCE | $12K | — | $12K | 6.94% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.43% |
| EBCG LLC3 Filed as: EBCG LLC DBA VERTUS | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.58% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 389 | $2.0M |
| Dental | STARMOUNT LIFE INSURANCE | 247 | $166K |
| Vision | STARMOUNT LIFE INSURANCE | 247 | $166K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $116K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.