| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARVARD PILGRIM HEALTH CARE | $242K | — | $242K | 0.90% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $142 | — | $142 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | $215K | — | $215K | 0.90% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $126 | — | $126 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $241K | — | $241K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET, SUITE 330 DEDHAM, MA 02026 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $46K | $46K | 1.90% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HPHC INSURANCE COMPANY | $20K | — | $20K | 0.90% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | HPHC INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD, STE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $32K | $52K | 3.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET, 3RD FL DEDHAM, MA 02026 | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | $10K | — | $10K | 2.62% |
| 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 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $9K | $2K | $11K | 11.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | C/O UNITED BENEFIT SERVICES 181 WELLS AVENUE NEWTON, MA 02459 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $265 | $265 | 0.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| 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 | $196K |
| SENTINEL BENEFITS & FINANCIAL GROUP EIN 04-3015875 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 100 QUANNAPOWITT PARKWAY, SUITE 300 WAKEFIELD, MA 01880 | $56K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 333 ELM STREET, 3RD FLOOR DEDHAM, MA 02026 | $10K |
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 | 4,974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 4,187 | $53.2M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | 881 | $367K |
| Vision(3 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,021 | $340K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,974 | $1.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,926 | $2.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,926 | $2.4M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,429 | $1.8M |
| 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.