| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 11.48% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $433 | $433 | 0.13% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 3.44% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $17K | — | $17K | 32.34% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| DIGITAL INSURANCE LLC3 | 10800 BISCAYNE BLVD STE 250 MIAMI, FL 33161 | TRANSAMERICA LIFE INSURANCE COMPANY | -$121 | — | -$121 | -0.23% |
| THE ROEBUCK GROUP LLC4 | 4240 PORTSMOUTH BLVD STE 459 CHESAPEAKE, VA 23321 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 24.09% |
| JULIE GERSHON4 | 4 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $415 | — | $415 | 5.81% |
| CHRISTINE ROEBUCK4 | STE 459 4240 PORTSMOUTH BLVD CHESAPEKE, VA 23321 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $302 | — | $302 | 4.23% |
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 | 1,040 | 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) | 1,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 108 | $54K |
| Vision | VISION SERVICE PLAN | 429 | $54K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,164 | $339K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,164 | $339K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,164 | $339K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,164 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,164 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.