| 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. | $199K | $109K | $308K | 2.00% |
| 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. | — | $170 | $170 | 0.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 6500 ROCK SPRING SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE,INC | $3K | $48K | $51K | 6.30% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE,INC | — | $10K | $10K | 1.22% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN C/O POTOMAC BASIN GR | ATTN LORRIE MCVERRY 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 6.67% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN C/O POTOMAC BASIN GR | ATTN LORRIE MCVERRY 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 2.80% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 15.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 TPA | Claims processing Service code 12 | — | $110K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 FMLA-THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $108K |
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 | 1,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 297 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,387 | 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. | 902 | $16.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 902 | $16.2M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE,INC | 834 | $838K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE,INC | 86 | $877K |
| Other | NEW DIRECTIONS BEHAVIORAL HEALTH | 1,325 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,325 | — |
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.