| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $23K | $20K | $43K | 2.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62937 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $19K | — | $19K | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 92937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 10.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 333 ELM STREET DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | VSP | $580 | — | $580 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $328 | — | $328 | 6.43% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 368 | $1.8M |
| Vision(2 contracts, 2 carriers) | VSP | 135 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $87K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.