| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, STE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $120K | $45K | $165K | 2.65% |
| 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 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 12.98% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $139 | $139 | 0.05% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $53 | $53 | 0.02% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES, INC | PO BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 7.93% |
| ESTATE OF ANDREW P. NAPOLETANO3 Filed as: ESTATE OF ANDREW NAPOLETANO | 40 ATWILL ROAD WEST ROXBURY, MA 02132 | METROPOLITAN LIFE INSURANCE COMPANY | $885 | — | $885 | 0.52% |
| JOSEPH P. IMPARATO3 Filed as: JOSEPH IMPARATO | 19 SEAMANS LANE BREWSTER, MA 02631 | METROPOLITAN LIFE INSURANCE COMPANY | $281 | — | $281 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, STE 330 SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $2K | — | $2K | 4.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 TPA | Claims processing Service code 12 | — | $43K |
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 874 | $6.2M |
| Vision | VISION SERVICE PLAN | 279 | $38K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 636 | $294K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 636 | $294K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 636 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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.