| 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 | $92K | $37 | $92K | 0.98% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | $416K | — | $416K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | $65K | — | $65K | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $127K | $127K | 2.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $125K | — | $125K | 2.01% |
| CAPTIAL GROUP LLC THE3 | 6720 ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | GHMSI/CAREFIRST BLUECHOICE | — | $51K | $51K | 3.67% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | GHMSI/CAREFIRST BLUECHOICE | — | $13K | $13K | 0.90% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 333 ELM STREET DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $61K | — | $61K | 4.56% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 0.42% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | $82K | — | $82K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | $13K | — | $13K | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS PO BOX 745957 ATLANTA, GA 30374 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $59K | — | $59K | 8.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $12K | $10K | $22K | 3.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $37 | $37 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 181 WELLS AVENUE NEWTON, MA 02459 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $37 | $37 | 0.01% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METLIFE DELAWARE AMERICAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.30% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $3K | $400 | $3K | 2.46% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $883 | — | $883 | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 333 ELM STREET, STE. 300 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $470 | — | $470 | 3.85% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 333 ELM STREET STE. 300 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $122 | — | $122 | 1.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15 | — | $15 | 0.12% |
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 | 20,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,339 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GHMSI/CAREFIRST BLUECHOICE | 305 | $2.2M |
| Dental | METLIFE DELAWARE AMERICAN LIFE INSURANCE COMPANY | 26 | $147K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 20,853 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,232 | $9.5M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,938 | $6.4M |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 114 | $1.4M |
| Other(5 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY | 3,554 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,232 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.