| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL ROONEY3 Filed as: PAUL J. ROONEY | 60 COUNTRYSIDE LN STE 650 MILTON, MA 02186 | UNITEDHEALTHCARE INSURANCE COMPANY | $100K | — | $100K | 3.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, FL. 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 1.33% |
| PAUL ROONEY3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 3.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CTR, FL. 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.09% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $7K | — | $7K | 3.03% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $1K | — | $1K | 0.61% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W. CLEVELAND AVE NEW BERLIN, WI 53151 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $12 | — | $12 | 0.01% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | 1 GATEWAY CENTER NEWTON, MA 02458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 11.35% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 7.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | FKA WILLIS OF NY 1 WORLD FINANCIAL CTR, FL. 6 NEW YORK, NY 10281 | VISION SERVICE PLAN | $225 | — | $225 | 0.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | VISION SERVICE PLAN | $200 | — | $200 | 0.71% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $134 | $2K | 7.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | STARMOUNT LIFE INSURANCE COMPANY | $696 | $87 | $783 | 3.15% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $115 | $2K | 11.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR, FL. 6 200 LIBERY ST NEW YORK, NY 10281 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC. | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $711 | — | $711 | 4.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $436 | — | $436 | 2.85% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $3.3M |
| Dental(3 contracts, 3 carriers) | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 0 | $259K |
| Vision | VISION SERVICE PLAN | 0 | $28K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $108K |
| Short-term disability(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $108K |
| Long-term disability(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $108K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $3.3M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.