| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRATEGIC | 144 TURNPIKE ROAD, STE. 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $155K | — | $155K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRATEGIC | 144 TURNPIKE ROAD, STE. 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $68K | — | $68K | 4.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRATEGIC | 144 TURNPIKE ROAD, STE. 330 SOUTHBOROUGH, MA 01772 | LINCOLN FINANCIAL GROUP | $20K | $9K | $29K | 7.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRATEGIC | 144 TURNPIKE ROAD, STE. 330 SOUTHBOROUGH, MA 01772 | LINCOLN FINANCIAL GROUP | $10K | $4K | $15K | 7.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRATEGIC | 144 TURNPIKE ROAD, STE. 330 SOUTHBOROUGH, MA 01772 | EYEMED | $8K | — | $8K | 9.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA DBA STRATEGIC | 144 TURNPIKE ROAD, STE. 330 SOUTHBOROUGH, MA 01772 | EYEMED | $272 | — | $272 | 8.96% |
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 | 1,330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA SERVICE OF MA, INC. D/B/A DELTA DENTAL OF MASSACHUSETTS | 2,400 | $0 |
| Vision(2 contracts) | EYEMED | 1,230 | $87K |
| Life insurance | LINCOLN FINANCIAL GROUP | 1,315 | $400K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 1,295 | $205K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,254 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,400 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.