| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | ONE GATEWAY CTR STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $5K | — | $5K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $5K | — | $5K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.97% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CTR STE 650 NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.26% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $222 | $222 | 0.14% |
| HAMBY, JAMES, WESLEY3 Filed as: HAMBY, JANES W | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 10.37% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | ONE GATEWAY CTR STE 650 NEWTON, MA 02458 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 9.71% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER, JONATHAN S | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 9.41% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 4.18% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CTR STE 650 NEWTON, MA 02458 | MANHATTANLIFE | $951 | — | $951 | 3.80% |
| JONATHAN S. SPETNER3 Filed as: JONATHAN S SPETNER | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | MANHATTANLIFE | $519 | — | $519 | 2.07% |
| JAMES W HAMBY3 | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | MANHATTANLIFE | $507 | — | $507 | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNANG AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | MANHATTANLIFE | $2 | — | $2 | 0.01% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 640 | $401K |
| Vision | VISION SERVICE PLAN | 539 | $38K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 849 | $233K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 849 | $155K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 849 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.