| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | FALLON HEALTH | $23K | $0 | $23K | 0.74% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | FALLON HEALTH | $12K | $0 | $12K | 0.37% |
| BRUCE CROHN LLC3 Filed as: BRUCE COHN | NINE SOUTH STREET CHESTNUT HILL, MA 02467 | FALLON HEALTH | $12K | $0 | $12K | 0.37% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | NINE SOUTH STREET CHESTNUT HILL, MA 02467 | NEIGHBORHOOD HEALTH PLAN INC | $21K | $0 | $21K | 3.00% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 6.04% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 3.70% |
| BRUCE CROHN LLC3 | NINE SOUTH STREET CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.02% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.90% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $98 | $6K | 1.47% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | NINE SOUTH STREET CHESTNUT HILL, MA 02467 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.45% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION INC. | $10K | $0 | $10K | 2.94% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | TUFTS INSURANCE COMPANY | $6K | $0 | $6K | 2.96% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $705 | $0 | $705 | 2.34% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | VISION SERVICE PLAN | $352 | $0 | $352 | 1.17% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | NINE SOUTH STREET CHESTNUT HILL, MA 02467 | VISION SERVICE PLAN | $352 | $0 | $352 | 1.17% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | STANDARD INSURANCE COMPANY | $497 | $0 | $497 | 7.49% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $249 | $0 | $249 | 3.75% |
| BRUCE CROHN LLC3 | NINE SOUTH STREET CHESTNUT HILL, MA 02467 | STANDARD INSURANCE COMPANY | $249 | $0 | $249 | 3.75% |
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 | 2,035 | 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) | 2,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | FALLON HEALTH | 427 | $4.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,035 | $387K |
| Vision | VISION SERVICE PLAN | 281 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,035 | $395K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,035 | $395K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,035 | $402K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,035 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,035 | — |
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."
No prospect flags tripped on this filing.