| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $123K | — | $123K | 6.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 11.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST, SUITE 325 DEDHAM, MA 02026 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 2.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM STREET STE 300 C/O UNITED BENEFIT SERVICES DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 11.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM STREET STE 300 C/O UNITED BENEFIT SERVICES DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 C/O UNITED BENEFIT SERVICES DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 10.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 C/O UNITED BENEFIT SERVICES DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $6K | $740 | $7K | 12.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $365 | — | $365 | 2.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $270 | $2K | 17.00% |
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 | 2,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 43 | $841K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $34K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,347 | $256K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,804 | $1.8M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,804 | $1.8M |
| Prescription drug | TRIPE S SALUD, INC. | 28 | $197K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,244 | $330K |
| Other(6 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,055 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,347 | — |
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."
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.