| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $145K | $41K | $185K | 2.89% |
| 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 | $22K | $3K | $24K | 15.25% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES, INC | PO BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.83% |
| ESTATE OF ANDREW P. NAPOLETANO3 Filed as: ESTATE OF ANDREW P NAPOLETANO | 21 SPARROW ST WEST ROXBURY, MA 02132 | METROPOLITAN LIFE INSURANCE COMPANY | $759 | — | $759 | 0.49% |
| JOSEPH P. IMPARATO3 Filed as: JOSEPH P IMPARATO | TUCKER AND SHEPLEY BENEFITS AND INS 19 MIMOSA CIRCLE PLYMOUTH, MA 02360 | METROPOLITAN LIFE INSURANCE COMPANY | $689 | — | $689 | 0.44% |
| 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 | $12K | $2K | $14K | 10.66% |
| 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 | $1K | — | $1K | 4.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 TPA | Claims processing Service code 12 | — | $41K |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 TPA | Claims processing Service code 12 | — | $11K |
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 | 661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 820 | $6.4M |
| Vision | VISION SERVICE PLAN | 242 | $32K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 661 | $128K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 661 | $160K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 751 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.