| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.33% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $8K | $28K | 1.39% |
| JOHN EDWARD JR. HALPIN3 Filed as: JOHN EDWARD JR HALPIN | 3000 TOWN CENTER DTE 2900 03 SOUTHFIELD, MI 480751214 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 0.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.39% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.31% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 8,936 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 389 | $3.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,531 | $834K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,023 | $2.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,447 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 389 | $3.0M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,023 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,023 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.