| 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 | $23K | — | $23K | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | ANTHEM BLUE CROSS AND BLUE SHIELD | $87K | $0 | $87K | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 181 WELLS AVE NEWTON CENTER, MA 02459 | ANTHEM BLUE CROSS AND BLUE SHIELD | $39K | $0 | $39K | 0.30% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM BLUE CROSS AND BLUE SHIELD | $19K | $0 | $19K | 0.14% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | GEISINGER HEALTH PLAN | $122K | — | $122K | 1.50% |
| 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 | $152K | $155K | 2.17% |
| PAUL L. BARDEN | 321 N CLARK STREET SUITE 940 CHICAGO, IL 60654 | ZURICH AMERICAN INSURANCE LIFE COMPANY | — | $178K | $178K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET SUITE 940 CHICAGO, IL 60654 | ZURICH AMERICAN INSURANCE LIFE COMPANY | $176K | — | $176K | 2.94% |
| 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 | $71K | $73K | 2.18% |
| 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. | $57K | — | $57K | 1.79% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | AETNA HEALTH, INC. | — | $82 | $82 | 0.00% |
| WELLESLEY INSURANCE AGENCY Filed as: WELLESLEY INSURANCE AGENCY, INC. | 586 BOSTON POST RD. WESTON, MA 02493 | ZURICH AMERICAN INSURANCE COMPANY | $43K | $0 | $43K | 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 | $21K | — | $21K | 2.83% |
| 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 | 3.99% |
| 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 | $56K | — | $56K | 10.61% |
| 21ST CENTURY BENEFIT & INS3 | 1 EDGE HILL RD HOPKINTON, MA 01748 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 2.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 800 BOYLSTON STREET, SUITE 600 BOSTON, MA 021998103 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $4K | — | $4K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 | Claims processing Service code 12 | — | $13.6M |
| TRIPLE S SALUD EIN 66-0555677 | Claims processing Service code 12 | — | $78K |
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 | 227,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 389 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227,593 | 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 | 2,499 | $37.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 76,713 | $25.8M |
| Vision(3 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 69,573 | $16.1M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 70,095 | $10.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 495 | $50K |
| Long-term disability | ZURICH AMERICAN INSURANCE LIFE COMPANY | 20,884 | $6.0M |
| Prescription drug | HEALTH PLAN OF NEVADA | 172 | $666K |
| Other(5 contracts, 4 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 227,204 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227,204 | — |
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.