| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS, INC. | $92K | — | $92K | 10.63% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $48K | $0 | $48K | 6.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $20K | $20K | 2.89% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | — | $2K | 2.59% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 18.44% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 181 WELLS AVENUE NEWTON, MA 02459 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $326 | $326 | 0.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $140 | $140 | 0.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 5900 NORTH ANDREWS LANE, SUITE 401 FORT LAUDERDALE, FL 33309 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $113 | $113 | 0.24% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $51 | $51 | 0.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SER | 14285 MIDWAY ROAD, SUITE 100 ADDISON, TX 75001 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
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 | 1,534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 1,810 | $865K |
| Vision | VISION SERVICE PLAN | 573 | $90K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,901 | $707K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,901 | $707K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,901 | $707K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,901 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,901 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.