| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $63K | $20K | $83K | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $63K | — | $63K | 1.00% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SREVICES INC. | P.O. BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 7.58% |
| JOSEPH P. IMPARATO3 | TUCKER AND SHEPLEY BENEFITS AND INS 19 MIMOSA CIRCLE PLYMOUTH, MA 02360 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.89% |
| TO THE ESTATE OF ANDREW NAPOLETANO3 | EM-POWER SERVICES, INC. P.O. BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $723 | — | $723 | 0.49% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $3K | $14K | 9.53% |
| 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 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $250 | $3K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | -$845 | -$845 | -0.57% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | $3K | $19K | 13.31% |
| 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 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $248 | $4K | 2.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | -$824 | -$824 | -0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $766 | — | $766 | 2.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 TPA | Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $44K |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 TPA | Claims processing Service code 12 | — | $11K |
| STRATEGIC BENEFIT ADVISORS, INC | Consulting (general) Service code 16 | — | $6K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | $6K |
| STRATEGIC BENEFIT ADVISORS CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | $499 |
| MERCER HEALTH & BENEFITS CONSULTANT | Consulting (general) Service code 16 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $0 |
| STRATEGIC BENEFIT ADVISORS, INC. CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | $0 |
| MERCER HEALTH & BENEFITS LLC | Consulting (general) Service code 16 | — | -$35 |
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 | 612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 814 | $6.3M |
| Vision | VISION SERVICE PLAN | 206 | $28K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 610 | $147K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 605 | $145K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.