| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | NEIGHBORHOOD HEALTH PLAN, INC. | $31K | — | $31K | 3.12% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 4.91% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST FLR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | — | $992 | $992 | 0.20% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 5.97% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST FL 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4K | — | -$4K | -0.93% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $9K | — | $9K | 4.22% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W. CLEVELAND AVE. NEW BERLIN, WI 53151 | DELTA DENTAL OF MASSACHUSETTS | $375 | — | $375 | 0.17% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 7.65% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
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 | 491 | 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) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | NEIGHBORHOOD HEALTH PLAN, INC. | 170 | $2.0M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 526 | $223K |
| Vision | VISION SERVICE PLAN | 216 | $24K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 491 | $167K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 491 | $167K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 491 | $167K |
| Prescription drug(3 contracts, 3 carriers) | NEIGHBORHOOD HEALTH PLAN, INC. | 170 | $2.0M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 491 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.