| 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 | $21K | — | $21K | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM BLUE CROSS AND BLUE SHIELD | $159K | — | $159K | 1.29% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | GEISINGER HEALTH PLAN | $102K | — | $102K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $135K | $97K | $232K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $25K | $25K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 321 N CLARK STREET CHICAGO, IL 60654 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ATT ADVISORS LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $3K | $99K | $101K | 2.25% |
| MARK ALLEN ABATE3 Filed as: MARK A ABATE | 144 TURNPIKE ROAD, # 330 SOUTHBOROUGH, MA 01772 | COVENTRY HEALTH CARE OF THE CAROLINAS | $31K | $46K | $77K | 2.48% |
| 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 THE CAROLINAS | -$5K | — | -$5K | -0.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 8761 DORCHESTER RD., STE. 230 NORTH CHARLESTON, SC 29420 | COVENTRY HEALTH CARE OF THE CAROLINAS | -$23K | — | -$23K | -0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ATT ADVISORS LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $1K | $44K | $45K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ATT ADVISORS LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | MINNESOTA LIFE INSURANCE COMPANY | $824 | $28K | $29K | 2.02% |
| WELLESLEY INSURANCE AGENCY3 Filed as: WELLESLEY INSURANCE AGENCY, INC. | 586 BOSTON POST RD. WESTON, MA 02493 | ZURICH AMERICAN INSURANCE COMPANY | $45K | — | $45K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ATT ADVISORS LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | MINNESOTA LIFE INSURANCE COMPANY | $426 | $14K | $15K | 2.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSCHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HEALTH PLAN OF NEVADA | $23K | — | $23K | 3.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 3.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | — | $11K | 3.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | C/O UNITED BENEFIT SVCS 181 WELLS AVE NEWTON, MA 02459 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $794 | — | $794 | 0.33% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $712 | — | $712 | 0.46% |
| 21ST CENTURY BENEFIT & INS3 | 2 PARK CENTRAL DR STE 120 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 6.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 | Claims processing Service code 12 | — | $12.1M |
| LIFETIME BENEFIT SOLUTIONS EIN 16-1171765 | Claims processing Service code 12 | — | $202K |
| TRIPLE S SALUD EIN 66-0555677 | Claims processing Service code 12 | — | $10K |
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 | 57,513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 357 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 57,870 | 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 | 2,581 | $34.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 70,043 | $24.7M |
| Vision(3 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 60,751 | $15.0M |
| Life insurance(4 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 59,042 | $8.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 348 | $41K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,894 | $4.9M |
| Prescription drug | HEALTH PLAN OF NEVADA | 186 | $578K |
| Other(5 contracts, 4 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 22,458 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70,043 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.