| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC | ONE GATEWAY CTR STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $8K | $47K | 2.19% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | $7K | $32K | 1.51% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $3K | $58 | $4K | 2.38% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 1.56% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.19% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.94% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $74 | $74 | 0.09% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CTR STE 650 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $725 | — | $725 | 4.00% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $484 | — | $484 | 2.67% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 405 | $2.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 391 | $149K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 285 | $18K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 240 | $87K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 240 | $87K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 240 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.