| 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 | $26K | — | $26K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $3K | $178K | $181K | 2.28% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | GEISINGER HEALTH PLAN | $110K | — | $110K | 1.50% |
| PAUL L. BARDEN | 321 N CLARK STREET SUITE 940 CHICAGO, IL 60654 | ZURICH AMERICAN INSURANCE LIFE COMPANY | $215K | $126K | $341K | 4.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKEROAD SUITE 330 SOUTHBOROUGH, MA 01772 | ANTHEM INSURANCE COMPANIES, INC. | $52K | — | $52K | 1.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | ANTHEM INSURANCE COMPANIES, INC | $76K | — | $76K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | ANTHEM INSURANCE COMPANIES, INC | — | $167 | $167 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $2K | $95K | $97K | 2.79% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | AETNA HEALTH, INC. | $57K | — | $57K | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUIT 220 SOUTHBOROUGH, MA 01772 | ANTHEM INSURANCE COMPANIES, INC. | $15K | — | $15K | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | ANTHEM INSURANCE COMPANIES, INC. | $610 | $19K | $19K | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | ANTHEM INSURANCE COMPANIES, INC. | — | $47 | $47 | 0.00% |
| WELLESLEY INSURANCE AGENCY3 | 586 BOSTON POST RD. WESTON, MA 02493 | ZURICH AMERICAN INSURANCE COMPANY | $39K | — | $39K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HEALTH PLAN OF NEVADA | $27K | — | $27K | 4.00% |
| 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 OF MA, INC. EIN 04-1045815 | Claims processing Service code 12 | — | $14.1M |
| TRIPLE S SALUD EIN 66-0555677 | Claims processing Service code 12 | — | $180K |
| MDX MEDICAL INC. EIN 46-1777570 | Claims processing Service code 12 | — | $13K |
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 | 259,458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 324 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,960 | $41.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 82,671 | $28.0M |
| Vision(6 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 75,721 | $15.0M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 86,769 | $11.4M |
| Long-term disability | ZURICH AMERICAN INSURANCE LIFE COMPANY | 23,139 | $7.2M |
| Prescription drug | HEALTH PLAN OF NEVADA | 157 | $676K |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 259,457 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259,457 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.