| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 2.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MASSACHUSETTS | $12K | — | $12K | 5.44% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | EQUITABLE FIN LIFE INS CO OF AMERICA | $6K | — | $6K | 7.83% |
| INDIGO INSURANCE SERVICES3 | — | EQUITABLE FIN LIFE INS CO OF AMERICA | — | $6K | $6K | 7.59% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.66% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $963 | — | $963 | 6.01% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.70% |
| INSURANCE MARKETING AGENCIES INC3 | 306 MAIN STREET WORCESTER, MA 01608 | FEDERAL INSURANCE COMPANY | $249 | — | $249 | 14.97% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $2.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 370 | $216K |
| Vision | VISION SERVICE PLAN | 95 | $16K |
| Life insurance | EQUITABLE FIN LIFE INS CO OF AMERICA | 232 | $74K |
| Long-term disability | EQUITABLE FIN LIFE INS CO OF AMERICA | 232 | $74K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $2.2M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.