| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $295K | $201K | $496K | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE ASSURANCE COMPANY OF AMERICA BOSTON | $21K | $17K | $38K | 2.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE ASSURANCE COMPANY OF AMERICA BOSTON | — | $8K | $8K | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $32K | $13K | $46K | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 144 TURNPIKE ROAD SUITE 300 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | COMBINED INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 9.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $13K | $1K | $14K | 12.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | COMBINED INSURANCE COMPANY OF AMERICA | $142 | — | $142 | 9.19% |
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 | 4,573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 7,723 | $59.0M |
| Dental | DELTA DENTAL OF MA | 8,273 | $0 |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,250 | $258K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF AMERICA BOSTON | 4,517 | $1.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,873 | $1.1M |
| Other(2 contracts, 2 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY USA | 622 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,273 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.