| 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, SUITE 325 DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS, INC. | $86K | $0 | $86K | 9.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $53K | $0 | $53K | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $19K | $19K | 2.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.83% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | PO BOX 715957 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $376 | $4K | 7.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 3.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $346 | $346 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $195 | $195 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $41 | $41 | 0.08% |
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 | 1,769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 1,886 | $865K |
| Vision | VISION SERVICE PLAN | 562 | $81K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,502 | $752K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,502 | $752K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,502 | $752K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,719 | $894K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,886 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.