| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $171K | $79K | $249K | 1.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $156 | $156 | 0.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | CAREFIRST BLUECHOICE | $36K | $11K | $48K | 6.57% |
| CRAWFORD ADVISORS, LLC5 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | — | $11K | $11K | 1.46% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 7.01% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN | 704 QUINCE ORCHARD ROAD #200 GAITHERSBURG, MD 20878 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.84% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN | 704 QUINCE ORCHARD ROAD #200 GAITHERSBURG, MD 20878 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 3.21% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 TPA | Claims processing Service code 12 | — | $97K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 STD-ADVICE SERVICES | Contract Administrator Service code 13 | — | $37K |
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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 291 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 871 | $15.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 871 | $14.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 424 | $25K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 104 | $787K |
| Other(2 contracts, 2 carriers) | E4 HEALTH, INC. | 925 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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.