| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $83K | $121K | $204K | 3.69% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $93K | $72K | $164K | 3.75% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $26K | $38K | $64K | 3.69% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $10K | $15K | $24K | 3.78% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | — | $9K | 2.15% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HYATT LEGAL PLANS | $36K | $0 | $36K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SUITE 300 SOUTHBOROUGH, ME 01772 | HYATT LEGAL PLANS | $3K | $0 | $3K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | HYATT LEGAL PLANS | $0 | $38 | $38 | 0.01% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | — | $6K | 2.11% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31 | — | $31 | 2.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $6.9M |
| DELTA DENTAL OF MASSACHUSETTS EIN 41-6143185 CLAIMS PROCESSOR | Contract Administrator Service code 13 | — | $775K |
| EXPRESS SCRIPTS INC. EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $669K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $578K |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $465K |
| EYEMED VISION CARE EIN 86-0773195 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $113K |
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 | 21,792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,637 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 21,860 | $25.6M |
| Dental | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 5 | $26K |
| Vision | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 5 | $26K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 23,540 | $7.2M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 613 | $423K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 21,783 | $4.4M |
| Prescription drug(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,159 | $23.6M |
| Other(4 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 11,383 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,540 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.