| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRVC INC. | UNKNOWN SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $235K | $110K | $345K | 1.76% |
| ENROLLEASE3 Filed as: GOLDEN AND COHEN, LLC | 6500 ROCK SPRING, SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $4K | $49K | $54K | 3.56% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATION | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $14K | $14K | 0.90% |
| ENROLLEASE3 Filed as: GOLDEN AND COHEN, LLC | 6500 ROCK SPRING, SUITE 500 BETHESDA, MD 20817 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 6.79% |
| ENROLLEASE3 Filed as: GOLDEN AND COHEN, LLC | 6500 ROCK SPRING, SUITE 500 BETHESDA, MD 20817 | EXPRESS SCRIPTS, INC. | $2K | $0 | $2K | 2.49% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | — | $7K | 9.10% |
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 | 1,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,309 | 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. | 2,177 | $21.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,177 | $21.0M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 1,058 | $1.6M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,177 | $21.1M |
| Other | LUCET HEALTH | 1,300 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,177 | — |
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.