| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $257K | — | $257K | 0.94% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $153 | — | $153 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | $179K | — | $179K | 0.94% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $107 | — | $107 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | $19K | — | $19K | 0.94% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $19K | $26K | $45K | 3.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 4.76% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $103K | — | $103K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 181 WELLS AVENUE NEWTON, MA 02459 | USABLE LIFE | — | $14K | $14K | 1.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM ST 3RD FL DEDHAM, MA 02026 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $9K | — | $9K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $8K | — | $8K | 9.92% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY INC | 500 DISTRICT AVE BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $1 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 TPA | Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $181K |
| SENTINEL BENEFITS GROUP, INC. EIN 04-3015875 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $64K |
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 | 4,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 3,675 | $48.2M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 776 | $328K |
| Vision(3 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 3,612 | $340K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,628 | $1.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,585 | $1.2M |
| Other(6 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,429 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,429 | — |
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.