| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 14.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $538 | — | $538 | 2.28% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $484 | — | $484 | 2.72% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 14.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $359 | — | $359 | 2.16% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $542 | — | $542 | 3.78% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.27% |
| MARSH & MCLENNAN AGENCY LLC5 | 101 HUNTINGTON AVE BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $331 | — | $331 | 3.72% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $757 | — | $757 | 11.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $257 | — | $257 | 3.80% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CTR NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $578 | — | $578 | 10.90% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR NEWTON, MA 02458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | — | $391 | 7.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $129 | — | $129 | 2.48% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 51 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $31K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $18K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.