| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $70K | $77K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 STE 401 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $23K | $25K | 0.76% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117 | $0 | $117 | 0.14% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $456 | $0 | $456 | 0.66% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. - | NEWTON, MA ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | $0 | $1K | 8.26% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $183 | $0 | $183 | 1.56% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $3.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 301 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $69K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $3.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.