| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: THE EMPLOYERS BENEFIT GROUP LLC | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 11.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE EMPLOYERS BENEFIT GROUP, LLC EIN 27-3931730 CONSULTANT | Insurance brokerage commissions and fees; Consulting (general); Insurance agents and brokers Service code 16 | 11150 SANTA MONICA BLVD SUITE 800 LOS ANGELES, CA 90025 | $112K |
| BAS EIN 36-4197088 ADMIN, MED CLAIMS, COMPL. | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | $65K |
| PHCS/HEALTHCOMP EIN 13-3068979 PPO/UR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | 535 EAST DIEHL ROAD SUITE 100 NAPERVILLE, IL 60563 | $15K |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $191K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $191K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $191K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $191K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $191K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 278 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.