| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $30K | — | $30K | 1.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS | $5K | — | $5K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $586 | $12K | 13.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE CO. -EYE MED | $263 | — | $263 | 8.42% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 243 | $1.5M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 221 | $98K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO. -EYE MED | 71 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $89K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $89K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.