| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | -$33 | — | -$33 | -0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | — | $7K | 4.03% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | -$28 | — | -$28 | -0.02% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.45% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | -$6 | — | -$6 | -0.02% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | -$2 | — | -$2 | -0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $179 | $2K | 22.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $119 | $1K | 18.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $99K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | $33K |
| KGA, INC. EIN 04-3526805 CLAIMS PROCESSING | Claims processing Service code 12 | 161 WORCESTER ROAD SUITE 409 FRAMINGHAM, MA 01701 | $26K |
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 | 904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | HARVARD PILGRIM HEALTH CARE | 731 | $803K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 766 | $51K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $347K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 877 | $114K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.