| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL ROONEY3 | 300 WASHINGTON STREET NEWTON, MA 02456 | DELTA DENTAL OF KENTUCKY | $10K | $0 | $10K | 1.20% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $58K | $58K | 7.53% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | HARTFORD LIFE AND ACCIDENT | $12K | $5K | $16K | 2.12% |
| PAUL ROONEY3 | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $10K | $0 | $10K | 9.99% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $0 | $6K | 10.71% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,714 | $838K |
| Vision | VISION SERVICE PLAN | 594 | $100K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 575 | $774K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 575 | $774K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 694 | $848K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,714 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.