| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLESLEY INSURANCE AGENCY3 | C/O STEVE BELL 586 BOSTON POST ROAD WESTON, MA 02493 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $20K | — | $20K | 0.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL | 120 N. FULTON AVENUE EVANSVILLE, IN 47710 | ANTHEM BLUE CROSS AND BLUE SHIELD | $139K | — | $139K | 1.22% |
| PATTY MCGOWAN3 | C/O ASSURED NI INSURANCE AGENCY NEWBURGH, IN 47630 | GEISINGER HEALTH PLAN | $49K | — | $49K | 0.81% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | GEISINGER HEALTH PLAN | $42K | — | $42K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ATT ADVISORS LLC 21300 VICTORY BLVD - STE 635 US WOODLAND HILLS, CA 91367 | MINNESOTA LIFE INSURANCE COMPANY | $3K | $101K | $104K | 2.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTHWEST IN INC. | 8788 RUFFIAN LANE SUITE A NEWBURGH, IN 47630 | COVENTRY HEALTH CARE OF CAROLINAS, INC. | $36K | — | $36K | 1.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 8761 DORCHESTER RD., STE. 230 NORTH CHARLESTON, SC 29420 | COVENTRY HEALTH CARE OF CAROLINAS, INC. | $23K | — | $23K | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ATT ADVISORS LLC 21300 VICTORY BLVD - STE 635 US WOODLAND HILLS, CA 91367 | MINNESOTA LIFE INSURANCE COMPANY | $2K | $53K | $55K | 2.33% |
| WELLESLEY INSURANCE AGENCY3 | 586 BOSTON POST ROAD WESTON, MA 02493 | ZURICH AMERICAN INSURANCE COMPANY | $21K | — | $21K | 3.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 120 N. FULTON AVE. EVANSVILLE, IN 47710 | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | $15K | — | $15K | 2.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | $3K | — | $3K | 0.61% |
| EDWARD L KANE3 | 2 PARK CENTRAL DRIVE STE 120 SOUTHBOROUGH, MA 01772 | THE STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.10% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | THE STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.22% |
| 21ST CENTURY BENEFIT & INS3 | 888 WORCESTER ST STE 80 WELLESLEY, MA 02482 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 1.32% |
| 21ST CENTURY BENEFIT & INS3 | 2 PARK CENTRAL DR STE 120 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 | Claims processing Service code 12 | — | $12.6M |
| EBS-RMSCO, INC. EIN 16-1171765 | Claims processing Service code 12 | — | $239K |
| TRIPLE S SALUD EIN 66-0555677 | Claims processing Service code 12 | — | $9K |
| CHOICE STRATEGIES EIN 94-3351864 | Claims processing Service code 12 | — | $2K |
| CAREMARK EIN 95-3382344 | Claims processing Service code 12 | — | $0 |
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 | 52,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 52,076 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 1,687 | $33.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 67,324 | $21.3M |
| Vision(3 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 57,079 | $14.2M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 54,688 | $7.2M |
| Short-term disability(3 contracts, 3 carriers) | THE STANDARD INSURANCE COMPANY | 11,934 | $983K |
| Prescription drug | HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE | 180 | $555K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 22,458 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,324 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.