| 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 | $74K | $45 | $74K | 0.98% |
| 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 | $131K | $174K | $305K | 4.66% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | $172K | — | $172K | 3.56% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | $5K | — | $5K | 0.29% |
| CAPTIAL GROUP LLC THE3 | 6720 ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | GHMSI/CAREFIRST BLUECHOICE | $50K | $13K | $64K | 4.44% |
| BENEFITMALL5 Filed as: BENEFITMALL/MATHER & STROHL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | GHMSI/CAREFIRST BLUECHOICE | — | $10K | $10K | 0.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $39K | $6K | $44K | 12.57% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $4K | $840 | $5K | 3.04% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $2K | $0 | $2K | 1.23% |
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 | 20,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,724 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GHMSI/CAREFIRST BLUECHOICE | 367 | $2.4M |
| Dental | METLIFE DELAWARE AMERICAN LIFE INSURANCE COMPANY | 22 | $175K |
| Vision | HM LIFE INSURANCE COMPANY | 18,939 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,498 | $7.7M |
| Long-term disability(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,063 | $6.7M |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 107 | $1.4M |
| Other(5 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | 2,687 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,498 | — |
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.