| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLESLEY INSURANCE AGENCY3 | 586 BOSTON POST ROAD WESTON, MA 02493 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $22K | — | $22K | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM BLUE CROSS AND BLUE SHIELD | $242K | $482 | $242K | 1.78% |
| 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 | $139K | $143K | 2.22% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | GEISINGER HEALTH PLAN | $94K | — | $94K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | AETNA HEALTH, INC. | $31K | — | $31K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | AETNA HEALTH, INC. | $24K | — | $24K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91637 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $116K | $86K | $202K | 6.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ATT ADVISORS LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $2K | $63K | $65K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET SUITE 940 CHICAGO, IL 42483 | ZURICH AMERICAN INSURANCE LIFE COMPANY | $57K | $42K | $99K | 4.20% |
| WELLESLEY INSURANCE AGENCY3 Filed as: WELLESLEY INSURANCE AGENCY, INC. | 586 BOSTON POST RD. WESTON, MA 02493 | ZURICH AMERICAN INSURANCE COMPANY | $42K | — | $42K | 5.00% |
| 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 | $34K | $7K | $41K | 5.94% |
| 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 | $27K | — | $27K | 4.00% |
| 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 | $25K | $5K | $30K | 5.90% |
| 21ST CENTURY BENEFIT & INS3 | 1 EDGE HILL RD HOPKINTON, MA 01748 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 | Claims processing Service code 12 | — | $13.2M |
| 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 | 62,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 316 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 62,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,574 | $32.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 72,455 | $26.9M |
| Vision(3 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 65,651 | $16.9M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 63,718 | $9.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 409 | $46K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 19,376 | $5.4M |
| Prescription drug | HEALTH PLAN OF NEVADA | 179 | $664K |
| Other(3 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 23,697 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,455 | — |
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.