| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $272K | — | $272K | 1.04% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $155 | — | $155 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | $137K | — | $137K | 1.04% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $78 | — | $78 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | $17K | — | $17K | 1.04% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $21K | $39K | 3.35% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DRIVE BOSTON, MA 02215 | USABLE LIFE | $94K | — | $94K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET, 3RD FLOOR DEDHAM, MA 02026 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $8K | $2K | $11K | 3.41% |
| 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 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $7K | — | $7K | 10.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 TPA | Claims processing Service code 12 | DBA DELTA DENTAL OF MA 465 MEDFORD STREET BOSTON, MA 02129 | $164K |
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 | 4,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 3,942 | $41.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 756 | $312K |
| Vision(3 contracts) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY OF AMER | 3,341 | $316K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,198 | $1.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,806 | $1.1M |
| Other(6 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,198 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,198 | — |
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.