| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CENTER NEWTON, MA 02458 | HPHC INSURANCE COMPANY | $14K | $3K | $16K | 2.34% |
| EBS ADVISORS, INC3 Filed as: EBS | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | DELTA DENTAL | $4K | — | $4K | 3.31% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC | ONE GATEWAY CENTER NEWTON, MA 02458 | HARTFORD LIFE & ACCIDENT | $7K | $3K | $10K | 18.15% |
| INDIGO INSURANCE SVC3 Filed as: INDIGO INSURANCE SERIVES, LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE & ACCIDENT | — | $4K | $4K | 7.00% |
| EBS ADVISORS, INC3 Filed as: EBS | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 9.27% |
| EBS ADVISORS, INC3 Filed as: EBS | 1 GATEWAY CENTER NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $66 | $13 | $79 | 0.93% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 92 | $696K |
| Dental | DELTA DENTAL | 269 | $131K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 210 | $13K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 182 | $53K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 182 | $53K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 92 | $696K |
| Other | HARTFORD LIFE & ACCIDENT | 182 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.