| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUETTTS, INC. | $70K | $27K | $97K | 1.07% |
| 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, INC. | $45K | $0 | $45K | 0.49% |
| 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 | $27K | $6K | $33K | 6.38% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 4.69% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 6.52% |
| 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. | $3K | $0 | $3K | 4.31% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | METROPOLITAN GENERAL INSURANCE COMPANY | $792 | $0 | $792 | 9.98% |
| 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 | $76 | $76 | 0.96% |
| 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 | $13 | $13 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | PO BOX 745957 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $12 | $12 | 0.15% |
| 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. | $296 | $0 | $296 | 9.86% |
| 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 | $36 | $36 | 1.20% |
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 | 1,290 | 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) | 1,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUETTTS, INC. | 1,342 | $9.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUETTTS, INC. | 1,342 | $9.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 900 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,290 | $524K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,290 | $524K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,290 | $524K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,290 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.