| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $86K | $24K | $110K | 2.03% |
| 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 | 2.57% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 15.99% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 4.81% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $184 | — | $184 | 0.55% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 FMLA/STD TPA | Claims processing Service code 12 | — | $22K |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 747 | $5.4M |
| Dental | DELTA DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 723 | $372K |
| Vision | VISION SERVICE PLAN | 280 | $33K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 438 | $67K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 438 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 747 | $5.4M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 438 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.