| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 Filed as: EBS INSURENCE BROKERS | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $331K | — | $331K | 11.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | -$17K | — | -$17K | -0.58% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $9K | $46K | 3.75% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 9.22% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $5K | — | $5K | 1.76% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $10K | $1K | $11K | 8.25% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT JR | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $10K | — | $10K | 7.50% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $8K | $843 | $9K | 9.84% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT JR | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $9K | — | $9K | 9.68% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | ACE AMERICAN INSURANCE COMPANY | $7K | $2K | $9K | 20.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $1.8M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 CLAIM ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $18K |
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 | 1,916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $529K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $529K |
| Vision | VISION SERVICE PLAN | 1,326 | $302K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,916 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,916 | $1.2M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $529K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 4,215 | $2.9M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,916 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,215 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.