| 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 | HPHC JOINT VENTURE UHG | $48K | — | $48K | 1.80% |
| HILB GROUP OF NEW ENGLAND3 | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | HPHC JOINT VENTURE UHG | $27K | — | $27K | 1.01% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | HPHC JOINT VENTURE UHG | $5K | — | $5K | 0.19% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $3K | — | $3K | 1.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF MASSACHUSETTS | $544 | $1K | $2K | 1.29% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | DELTA DENTAL OF MASSACHUSETTS | $1K | — | $1K | 0.96% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR., STE. 650 NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.69% |
| HILB GROUP OF NEW ENGLAND3 | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.94% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $84 | $84 | 0.08% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CTR., STE. 650 NEWTON, MA 02458 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $736 | — | $736 | 3.05% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $281 | — | $281 | 1.16% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC JOINT VENTURE UHG | 436 | $2.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 427 | $151K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 342 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $105K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $105K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.