Welfare broker

EBS INSURANCE BROKERS

Mailing address (most recent filing)

ONE GATEWAY CENTER, SUITE 551

NEWTON, MA 02458

Total comp: $2.2M
Commissions: $1.6M
Fees: $590K
Filings: 54
Sponsors: 54

Carrier mix

Where EBS INSURANCE BROKERS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

MASS GENERAL BRIGHAM HEALTH PLAN33.3%
HARVARD PILGRIM HEALTH CARE33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MASS GENERAL BRIGHAM HEALTH PLAN	1	$745K	33.3%
HARVARD PILGRIM HEALTH CARE	1	$3.0M	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$6.2M	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MA	3	$10.0M	0.1%	46.22x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of EBS INSURANCE BROKERS's plans by broker comp / premium ratio. Median 3.14% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of EBS INSURANCE BROKERS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where EBS INSURANCE BROKERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SENIORLINK, INC. SENIORLINK, INC. EMPLOYEE BENEFITS PLAN	MA	$6.2M	$245K	CIGNA HEALTH & LIFE INSURANCE COMPANY
2SEVENTY BIO, INC. 2SEVENTY BIO, INC. HEALTH AND WELFARE PLAN	MA	$3.0M	$65K	HARVARD PILGRIM HEALTH CARE
T.J. KATSIROUBAS & SONS, INC. T. J. KATSIROUBAS & SONS, INC. EMPLOYEE BENEFIT PLAN	MA	$745K	$23K	MASS GENERAL BRIGHAM HEALTH PLAN

Carrier

Plans

Premium

MASS GENERAL BRIGHAM HEALTH PLAN

$745K

33.3%

HARVARD PILGRIM HEALTH CARE

$3.0M

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$6.2M

33.3%

State

Plans

Premium

State share

Index

$10.0M

0.1%

46.22x

Sponsor

Loc

Premium

Comp

Carrier

SENIORLINK, INC.

SENIORLINK, INC. EMPLOYEE BENEFITS PLAN

$6.2M

$245K

CIGNA HEALTH & LIFE INSURANCE COMPANY

2SEVENTY BIO, INC.

2SEVENTY BIO, INC. HEALTH AND WELFARE PLAN

$3.0M

$65K

HARVARD PILGRIM HEALTH CARE

T.J. KATSIROUBAS & SONS, INC.

T. J. KATSIROUBAS & SONS, INC. EMPLOYEE BENEFIT PLAN

$745K

$23K

MASS GENERAL BRIGHAM HEALTH PLAN