| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET DEDHAM, MA 02026 | HPHC INSURANCE COMPANY | $24K | $0 | $24K | 0.71% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HPHC INSURANCE COMPANY | $17K | $0 | $17K | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET DEDHAM, MA 02026 | HARVARD PILGRIM HEALTHCARE | $24K | $0 | $24K | 0.71% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTHCARE | $16K | $0 | $16K | 0.49% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARVARD PILGRIM HEALTHCARE | $208 | $0 | $208 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $12K | 4.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 350 SOUTHBOROUGH, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 1.25% |
| EM-POWER SERVICES, INC.3 | PO BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.97% |
| ESTATE OF ANDREW P. NAPOLETANO3 | 40 ATWILL ROAD WEST ROXBURY, MA 02132 | METROPOLITAN LIFE INSURANCE COMPANY | $967 | $0 | $967 | 0.51% |
| JOSEPH P. IMPARATO3 | 19 SEAMANS LANE BREWSTER, MA 02631 | METROPOLITAN LIFE INSURANCE COMPANY | $337 | $0 | $337 | 0.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKKWAY SE SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 2.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $978 | — | $978 | 2.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $334 | — | $334 | 0.84% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 410 | $6.7M |
| Vision | VISION SERVICE PLAN | 262 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $242K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 410 | $6.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.