| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST SUITE 7B FITCHBURG, MA 01420 | FALLON COMMUNITY HEALTH PLAN | $21K | — | $21K | 1.65% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | FALLON COMMUNITY HEALTH PLAN | $11K | — | $11K | 0.82% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | FALLON COMMUNITY HEALTH PLAN | $11K | — | $11K | 0.82% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | NEIGHBORHOOD HEALTH PLAN INC | $18K | — | $18K | 3.00% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | FALLON COMMUNITY HEALTH PLAN | $0 | — | $0 | 0.00% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | FALLON COMMUNITY HEALTH PLAN | $0 | — | $0 | 0.00% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST SUITE 7B FITCHBURG, MA 01420 | FALLON COMMUNITY HEALTH PLAN | $0 | — | $0 | 0.00% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 014204303 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 3.40% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.70% |
| BRUCE CROHN LLC3 | 9 SOUTH ST CHESTNUT HILL, MA 02467 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.70% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 014204303 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 1.27% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.63% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.63% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP | 281 MAIN STREET FITCHBURG, MA 01420 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $5K | — | $5K | 1.54% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $2K | — | $2K | 0.77% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $2K | — | $2K | 0.77% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 014204303 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.27% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $849 | — | $849 | 0.63% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HARVARD PILGRIM HEALTH CARE | $849 | — | $849 | 0.63% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 01420 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.85% |
| BRUCE CROHN LLC3 | 9 SOUTH ST CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $909 | — | $909 | 0.92% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $909 | — | $909 | 0.92% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | FALLON COMMUNITY HEALTH PLAN | $0 | — | $0 | 0.00% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | FALLON COMMUNITY HEALTH PLAN | $0 | — | $0 | 0.00% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST SUITE 7B FITCHBURG, MA 01420 | FALLON COMMUNITY HEALTH PLAN | $0 | — | $0 | 0.00% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 01420 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.75% |
| BRUCE CROHN LLC3 | 9 SOUTH ST CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.75% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 01420 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BRUCE CROHN LLC3 | 9 SOUTH ST CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 01420 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BRUCE CROHN LLC3 | 9 SOUTH ST CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $599 | $29 | $628 | 2.72% |
| BRUCE CROHN LLC3 | 9 SOUTH ST CHESTNUT HILL, MA 02467 | VISION SERVICE PLAN | $300 | $15 | $315 | 1.37% |
| EMPLOYERS INSURANCE GROUP INC3 | 281 MAIN ST FITCHBURG, MA 014204303 | STANDARD INSURANCE COMPANY | $459 | — | $459 | 7.51% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $229 | — | $229 | 3.74% |
| BRUCE CROHN LLC3 | 9 SOUTH ST CHESTNUT HILL, MA 02467 | STANDARD INSURANCE COMPANY | $229 | — | $229 | 3.74% |
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 | 2,041 | 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) | 2,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | FALLON COMMUNITY HEALTH PLAN | 209 | $4.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 872 | $437K |
| Vision | VISION SERVICE PLAN | 208 | $23K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,041 | $181K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $88K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $83K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,041 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,041 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.