| 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 ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $167K | $82K | $250K | 1.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $944 | $944 | 0.01% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC - BELTSVILLE | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | $20K | $32K | $52K | 6.35% |
| AP BENEFIT ADVISORS, LLC5 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | — | $10K | $10K | 1.28% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.79% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 3.08% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 TPA | Claims processing Service code 12 | — | $101K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 STD-ADVICE SERVICES | Contract Administrator Service code 13 | — | $60K |
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 | 928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,237 | 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. | 904 | $14.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 904 | $13.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 544 | $28K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 104 | $873K |
| Other(2 contracts, 2 carriers) | E4 LLC | 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.