| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $85K | — | $85K | 0.88% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $57K | — | $57K | 0.87% |
| ENROLLEASE Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRAGEGIC | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRAGEGIC | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN OF MA DBA STRAGEGIC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | EYEMED | $3K | — | $3K | 9.62% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $298 | — | $298 | 0.94% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $258 | — | $258 | 1.05% |
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 | 1,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HARVARD PILGRIM HEALTH CARE | 1,395 | $17.5M |
| Dental | DELTA SERVICE OF MA, INC. D/B/A DELTA DENTAL OF MASSACHUSETTS | 2,486 | $0 |
| Vision | EYEMED | 656 | $36K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,313 | $441K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,312 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,486 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.