| 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, INC. | $27K | — | $27K | 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 INSURANCE COMPANIES, INC. | $139K | — | $139K | 1.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM INSURANCE COMPANIES, INC. | — | $75 | $75 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $185K | $185K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | SECURIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASS, LLC | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | GEISINGER HEALTH PLAN | $111K | — | $111K | 1.50% |
| PACIFIC RESOURCE BENEFIT ADVISORS | 75 STATE ST, STE. 1710 BOSTON, MA 021091807 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $194K | $140K | $334K | 5.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $117K | $117K | 2.66% |
| PACIFIC RESOURCE BENEFIT ADVISORS3 | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | SECURIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | AETNA HEALTH, INC. | $58K | $23 | $58K | 1.79% |
| 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. | $30K | — | $30K | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM INSURANCE COMPANIES, INC. | — | $57 | $57 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST., STE. 1710 BOSTON, MA 021091807 | ZURICH AMERICAN INSURANCE COMPANY | $39K | — | $39K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HEALTH PLAN OF NEVADA | $27K | — | $27K | 4.02% |
| 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 | — | $13.7M |
| TRIPLE S SALUD EIN 66-0555677 | Claims processing Service code 12 | — | $187K |
| MDX MEDICAL INC. EIN 26-3441881 | 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 | 267,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 376 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 268,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,675 | $43.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 82,747 | $30.4M |
| Vision(4 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 76,877 | $17.0M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 89,547 | $12.8M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 24,445 | $6.5M |
| Prescription drug | HEALTH PLAN OF NEVADA | 138 | $666K |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 267,675 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267,675 | — |
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.