| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $219K | — | $219K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $114K | $23K | $137K | 1.23% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.42% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.82% |
| PAUL ROONEY3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 BANK ST STE 500 BURLINGTON, VT 05401 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.49% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.64% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.04% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | — | $1K | 1.51% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | — | $2K | 11.22% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CTR STE 551 NEWTON, MA 02458 | FEDERAL INSURANCE COMPANY | $2K | $812 | $3K | 20.14% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | METROPOLITAN GENERAL INSURANCE COMPANY | $648 | — | $648 | 10.07% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 551 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $762 | — | $762 | 12.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $190 | — | $190 | 2.99% |
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 | 1,018 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,825 | $11.3M |
| Vision | VISION SERVICE PLAN | 783 | $98K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 969 | $236K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 970 | $217K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 969 | $148K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,825 | $11.3M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,018 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,825 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.