| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $157K | $36K | $193K | 3.67% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | KAISER FOUNDATION HEALTH PLAN INC | $35K | — | $35K | 4.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 0.95% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.46% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.97% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.70% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 3.59% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.89% |
| BULFINCH GROUP INSURANCE AGENCY3 | 160 GOULD ST NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | 3 COPLEY PLACE BOSTON, MA 02116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.12% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $358 | — | $358 | 10.15% |
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 | 534 | 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) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 945 | $6.0M |
| Vision | VISION SERVICE PLAN | 402 | $54K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 534 | $106K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $220K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $101K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 762 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.