| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUETTTS | $198K | $98K | $296K | 3.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $2K | $64K | 11.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 10.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $651 | $0 | $651 | 6.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $429 | $0 | $429 | 3.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 181 WELLS AVENUE NEWTON, MA 02459 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $37 | $37 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $35 | $35 | 0.33% |
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 | 1,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUETTTS | 1,422 | $9.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUETTTS | 1,422 | $9.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 914 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,382 | $536K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,382 | $536K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,382 | $536K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,382 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,422 | — |
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.