| 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. | $310K | $201K | $511K | 0.82% |
| 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 BOSTON | — | $33K | $33K | 1.82% |
| 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 | $26K | — | $26K | 1.45% |
| 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 | $40K | — | $40K | 3.00% |
| 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 | — | $24K | $24K | 1.82% |
| 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 | $28K | — | $28K | 8.96% |
| 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 | — | $2K | $2K | 1.19% |
| 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 | $204 | — | $204 | 8.97% |
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 | 4,790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 8,031 | $62.1M |
| Dental | DELTA DENTAL OF MA | 8,604 | $0 |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,718 | $311K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,787 | $1.8M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,407 | $1.3M |
| Other(2 contracts, 2 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY USA | 689 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,604 | — |
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.