| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $9K | $25K | 5.86% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.17% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 19.63% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 19.61% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.15% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $442 | — | $442 | 19.98% |
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 | 2,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HERITAGE VISION PLANS INC | 1,410 | $187K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,068 | $605K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $87K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,068 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,068 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.