| 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 PENNSYLVANIA | $19K | — | $19K | 1.62% |
| EMPLOYEE BENEFIT CONSULTI3 Filed as: EMPLOYEE BENEFIT CONULTI | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $9K | $9K | 11.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.39% |
| EMPLOYEE BENEFIT CONSULTI3 Filed as: EMPLOYEE BENEFIT CONSULT | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 13.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.23% |
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 13.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $473 | $473 | 2.26% |
| EMPLOYEE BENEFIT CONSULTI3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $569 | $569 | 13.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $89 | $89 | 2.08% |
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 | 2,705 | 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) | 2,705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,848 | $15K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,898 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,702 | $265K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,273 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,148 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,021 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,705 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,705 | — |
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.