| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRAGEGIC | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $106K | — | $106K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRAGEGIC | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | LINCOLN FINANCIAL GROUP | — | $9K | $9K | 1.98% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | -$28 | — | -$28 | -0.01% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | -$17 | — | -$17 | -0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRAGEGIC | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 1.96% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | EYEMED | $5K | — | $5K | 9.86% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | -$3 | — | -$3 | -0.01% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | -$1 | — | -$1 | -0.01% |
| ENROLLEASE4 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD, SUITE 300 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $0 | — | $0 | 0.00% |
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 | 1,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HARVARD PILGRIM HEALTH CARE | 1,366 | $664K |
| Dental | DELTA SERVICE OF MA, INC. D/B/A DELTA DENTAL OF MASSACHUSETTS | 2,434 | $0 |
| Vision | EYEMED | 776 | $52K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,307 | $1.5M |
| Long-term disability | LINCOLN FINANCIAL GROUP | 1,305 | $212K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,139 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,434 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.