| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 EAP TPA | Claims processing Service code 12 | — | $0 |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 689 | $4.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 689 | $4.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 530 | $24K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 586 | $214K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 689 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.