| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | AETNA LIFE INSURANCE CO | $23K | — | $23K | 2.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | AETNA LIFE INSURANCE CO | $17K | — | $17K | 2.13% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, LLC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $12K | $41K | 6.98% |
| CAROLYN JOHNSON3 | INTERNATIONAL EMPLOYEE BENEFIT SOLU 160 GUTHRIE LN, SUITE 22 BRENTWOOD, CA 94513 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 9.03% |
| 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 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | — | $16K | 9.04% |
| 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 | METROLPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $6K | $1K | $7K | 12.37% |
| 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 | METROLPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $190 | $190 | 0.31% |
| CAROLYN JOHNSON3 | INTERNATIONAL EMPLOYEE BENEFIT SOLU 160 GUTHRIE LN, SUITE 22 BRENTWOOD, CA 94513 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.24% |
| CAROLYN JOHNSON3 | INTERNATIONAL EMPLOYEE BENEFIT SOLU 160 GUTHRIE LN, SUITE 22 BRENTWOOD, CA 94513 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FEDERAL INSURANCE COMPANY | $411 | — | $411 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $996K |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Claims processing Service code 12 | D/B/A DELTA DENTAL OF MA 465 MEDFORD STREET BOSTON, MA 02129 | $105K |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 LMLS SERVICES | Claims processing Service code 12 | — | $68K |
| CVS PHARMACY, INC EIN 05-0340626 RX ADMIN | Claims processing Service code 12 | 1 CVS DRIVE WOONSOCKET, RI 02895 | $28K |
| CIGNA | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $0 |
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 | 1,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $386K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $386K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,912 | $177K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,424 | $864K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,424 | $633K |
| Other(4 contracts, 4 carriers) | METROLPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 4,754 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,754 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.