| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $8K | $3K | $11K | 3.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | THE STANDARD | $12K | — | $12K | 8.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $645 | — | $645 | 2.83% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | — | $456 | 2.00% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 1.38% |
| KARIN ANGELIS3 Filed as: KARIN ANGELES | 2639 N RIVERSIDE DR APT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 1.31% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.24% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DR DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EYE MED VISION | $2K | — | $2K | 9.24% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 267 | $302K |
| Vision | EYE MED VISION | 199 | $21K |
| Life insurance | THE STANDARD | 294 | $152K |
| Long-term disability | THE STANDARD | 294 | $152K |
| Other(2 contracts, 2 carriers) | THE STANDARD | 294 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.