| 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 | $151K | $0 | $151K | 4.27% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | FALLON HEALTH | $57K | $0 | $57K | 1.61% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | FALLON HEALTH | $57K | $0 | $57K | 1.61% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | FALLON HEALTH | $37K | $0 | $37K | 1.05% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET, SUITE 7B FITCHBURG, MA 01420 | FALLON HEALTH | $74K | $0 | $74K | 5.35% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP | 281 MAIN STREET FITCHBURG, MA 01420 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $9K | $0 | $9K | 1.72% |
| EASTERN BENEFITS GROUP3 | 607 NORTH AVENUE WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $2K | $3K | $5K | 0.99% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $3K | $0 | $3K | 0.67% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $3K | $0 | $3K | 0.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD SUITE 3001 WARWICK, RI 02886 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $653 | $0 | $653 | 0.13% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP INC. | 281 MAIN STREET FITCHBURG, MA 01420 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.36% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.68% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.68% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP INC. | 281 MAIN STREET FITCHBURG, MA 01420 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.52% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.68% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.65% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.65% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP INC. | 281 MAIN STREET FLITCHBURG, MA 01420 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.46% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP | 281 MAIN STREET FITCHBURG, MA 01420 | TUFTS INSURANCE COMPANY | $4K | $0 | $4K | 1.74% |
| EASTERN BENEFITS GROUP3 | 607 NORTH AVENUE WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $735 | $786 | $2K | 0.71% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER NEWTON, MA 02458 | TUFTS INSURANCE COMPANY | $2K | $0 | $2K | 0.70% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | TUFTS INSURANCE COMPANY | $1K | $0 | $1K | 0.58% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD SUITE 3001 WARWICK, RI 02886 | TUFTS INSURANCE COMPANY | $243 | $0 | $243 | 0.11% |
| UNKNOWN3 | UNKNOWN FITCHBURG, MA 01420 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION INC. | $6K | $0 | $6K | 3.71% |
| UNKNOWN3 | UNKNOWN FITCHBURG, MA 01420 | TUFTS INSURANCE COMPANY | $2K | $0 | $2K | 3.78% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $740 | $0 | $740 | 2.23% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET FITCHBURG, MA 01420 | VISION SERVICE PLAN | $370 | $0 | $370 | 1.11% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | VISION SERVICE PLAN | $314 | $0 | $314 | 0.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | VISION SERVICE PLAN | $56 | $0 | $56 | 0.17% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $404 | $0 | $404 | 3.48% |
| EMPLOYERS INSURANCE GROUP INC3 Filed as: EMPLOYERS INSURANCE GROUP, INC. | 281 MAIN STREET FITCHBURG, MA 01420 | VISION SERVICE PLAN | $202 | $0 | $202 | 1.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | VISION SERVICE PLAN | $202 | $0 | $202 | 1.74% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | STANDARD INSURANCE COMPANY | $561 | $0 | $561 | 15.00% |
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 | 2,009 | 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) | 2,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | FALLON HEALTH | 438 | $5.9M |
| Dental(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,009 | $391K |
| Vision(2 contracts) | VISION SERVICE PLAN | 321 | $45K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,025 | $307K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,025 | $307K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,025 | $311K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,025 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,025 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.