| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | HPHC INSURANCE COMPANY | $44K | $23K | $67K | 1.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET DEDHAM, MA 02026 | HPHC INSURANCE COMPANY | $5K | $0 | $5K | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | HARVARD PILGRIM HEALTHCARE | $41K | $21K | $61K | 1.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET DEDHAM, MA 02026 | HARVARD PILGRIM HEALTHCARE | $4K | $0 | $4K | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 144 TURNPIKE ROAD, SUITE 350 SOUTHBOROUGH, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $14K | 5.60% |
| EM-POWER SERVICES, INC.3 | PO BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.01% |
| ESTATE OF ANDREW P. NAPOLETANO3 | 40 ATWILL ROAD WEST ROXBURY, MA 02132 | METROPOLITAN LIFE INSURANCE COMPANY | $961 | $0 | $961 | 0.49% |
| JOSEPH P. IMPARATO3 | 19 SEAMANS LANE BREWSTER, MA 02631 | METROPOLITAN LIFE INSURANCE COMPANY | $345 | $0 | $345 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.17% |
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 | 580 | 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) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 375 | $6.8M |
| Vision | VISION SERVICE PLAN | 248 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 536 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 536 | $242K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 375 | $6.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 580 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.