| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 017722123 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $31 | $72K | 0.99% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | $214K | — | $214K | 5.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROSAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $76K | $64K | $140K | 3.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY 2007 LONG TERM DISABILITY | $75K | — | $75K | 2.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY 2007 LONG TERM DISABILITY | $28K | — | $28K | 1.00% |
| CAPTIAL GROUP LLC THE3 | 6903 ROCKLEDGE DRIVE SUITE 950 BETHESDA, MD 20817 | GHMSI/CAREFIRST BLUECHOICE | $30K | $0 | $30K | 2.09% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 6021 UNIVERSITY BLVD SUITE 250 ELLICOTT CITY, MD 21043 | GHMSI/CAREFIRST BLUECHOICE | $21K | $7K | $27K | 1.88% |
| BENEFITMALL5 Filed as: BENEFITMALL/MATHER & STROHL ADMIN | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | GHMSI/CAREFIRST BLUECHOICE | $0 | $7K | $7K | 0.46% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | $23K | — | $23K | 5.29% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 6021 UNIVERSITY BLVD, SUITE 250 ELLICOTT, MD 21043 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $3K | — | $3K | 1.43% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP LLC (THE) | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $2K | — | $2K | 0.99% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $850 | — | $850 | 0.48% |
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 | 19,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,381 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GHMSI/CAREFIRST BLUECHOICE | 403 | $3.6M |
| Dental | METLIFE DELAWARE AMERICAN LIFE INSURANCE COMPANY | 21 | $1.3M |
| Vision | HM LIFE INSURANCE COMPANY | 18,249 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,041 | $8.5M |
| Long-term disability(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,324 | $7.9M |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 124 | $1.5M |
| Other(4 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | 2,478 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,041 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.