| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SECURIAN LIFE INSURANCE COMPANY | $92K | $138K | $229K | 3.75% |
| 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 | $97K | $79K | $175K | 3.89% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SECURIAN LIFE INSURANCE COMPANY | $28K | $42K | $70K | 3.74% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SECURIAN LIFE INSURANCE COMPANY | $10K | $15K | $25K | 3.74% |
| 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, MA 01772 | HYATT LEGAL PLANS | $44K | $0 | $44K | 11.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | C/O UNITED BENEFIT SERVICES 333 ELM STREET DEDHAM, MA 02025 | HYATT LEGAL PLANS | $0 | $5K | $5K | 1.24% |
| 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, MA 01772 | HYATT LEGAL PLANS | $0 | $3K | $3K | 0.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HYATT LEGAL PLANS | $0 | $128 | $128 | 0.03% |
| 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 | $48 | $38 | $86 | 3.76% |
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 | 23,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,277 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 22,984 | $28.2M |
| Dental | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 19 | $112K |
| Vision | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 19 | $112K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 24,073 | $8.0M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 657 | $463K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 22,912 | $4.5M |
| Prescription drug(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,266 | $27.0M |
| Other(5 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 23,549 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,073 | — |
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.