| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $52K | — | $52K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $515 | — | $515 | 0.02% |
| CROSS INSURANCE3 | UNKNOWN CAMBRIGE, MA 02142 | HARVARD PILGRIM HEALTH CARE | $89 | — | $89 | 0.00% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 551 NEWTON, MA 02458 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $1K | $53K | 15.39% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $7K | $131 | $8K | 2.75% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | 1 GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | $857 | — | $857 | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| CROSS INSURANCE3 | UNKNOWN CAMBRIDGE, MA 02142 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER, SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $1K | — | $1K | 4.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | AETNA INTERNATIONAL | $1K | — | $1K | 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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 547 | $2.9M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 515 | $276K |
| Vision | VISION SERVICE PLAN | 154 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $341K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $341K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $341K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 547 | $2.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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."
No prospect flags tripped on this filing.