| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 Filed as: EBCG LLC DBA VERTUS | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | DELTA DENTAL OF NEW MEXICO | $6K | — | $6K | 0.67% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NEW MEXICO | $5K | — | $5K | 0.49% |
| EMPLOYEE BENEFIT CONSULTI3 Filed as: EMPLOYEE BENEFIT CONULTI | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $6K | $30K | 6.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 5.06% |
| EMPLOYEE BENEFIT CONSULTI3 Filed as: EMPLOYEE BENEFIT CONSULT | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $5K | $20K | 6.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 5.06% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $800 | $14K | 8.77% |
| MYLO LLC3 | P.O. BOX 419444 KANSAS CITY, MO 64141 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 6.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | P.O. BOX 879610 KANSAS CITY, MO 64187 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $166 | $8K | 4.88% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.97% |
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 6.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.12% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $606 | $10K | 8.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | P.O. BOX 879610 KANSAS CITY, MO 64187 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $141 | $8K | 6.37% |
| MYLO LLC3 | P.O. BOX 419444 KANSAS CITY, MO 64187 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.99% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.93% |
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $376 | $2K | 6.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.94% |
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 | 2,470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,356 | $273K |
| Dental | DELTA DENTAL OF NEW MEXICO | 3,642 | $950K |
| Vision | VISION SERVICE PLAN | 1,539 | $231K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 756 | $484K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 508 | $307K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 528 | $128K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,470 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,642 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.