| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS INC 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, ME 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $75K | $34K | $109K | 2.41% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | -$22 | $17K | $17K | 0.37% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SECURIAN LIFE INSURANCE COMPANY | $59K | $88K | $147K | 3.76% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $30K | $44K | $73K | 3.72% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SECURIAN LIFE INSURANCE COMPANY | $18K | $28K | $46K | 3.76% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $9K | $13K | $22K | 3.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, ME 01772 | HYATT LEGAL PLANS | $48K | $0 | $48K | 10.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIR CHICAGO, IL 606740001 | HYATT LEGAL PLANS | $0 | $41 | $41 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS INC 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $3K | $11K | 2.40% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | -$26 | $2K | $2K | 0.35% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SECURIAN LIFE INSURANCE COMPANY | $7K | $10K | $16K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS INC 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $2K | $7K | 2.43% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | -$25 | $1K | $1K | 0.36% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $3K | $5K | $8K | 3.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29 | $13 | $42 | 2.44% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $5 | $5 | 0.29% |
No Schedule C service providers reported on this filing.
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 | 22,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,647 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 22,240 | $27.6M |
| Dental | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 16 | $42K |
| Vision | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 16 | $42K |
| Life insurance(4 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 23,883 | $7.7M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 629 | $449K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 22,151 | $4.5M |
| Prescription drug(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,117 | $25.0M |
| Other(7 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 23,883 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,883 | — |
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.