| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $59K | $31K | $90K | 1.80% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $27K | — | $27K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $10K | $3K | $13K | 3.49% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | DELTA DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $10K | — | $10K | 2.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOW, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $2K | $6K | 5.59% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $913 | — | $913 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 60694 CHICAGO, IL 60694 | VISION SERVICE PLAN | $790 | — | $790 | 2.48% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $776 | — | $776 | 2.43% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $131 | — | $131 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 FMLA/STD TPA | Claims processing Service code 12 | — | $24K |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 843 | $5.0M |
| Dental | DELTA DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 833 | $376K |
| Vision | VISION SERVICE PLAN | 312 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 674 | $106K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 674 | $106K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 843 | $5.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 674 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.