| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $35K | $15K | $50K | 7.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.83% |
| 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 | $20K | — | $20K | 10.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 10.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS PO BOX 745957 ATLANTA, GA 30374 | METROLPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $4K | — | $4K | 8.26% |
| 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. | $904 | $928 | $2K | 3.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METROLPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $37 | $37 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS,LLC | 181 WELLS AVENUE NEWTON, MA 02459 | METROLPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $37 | $37 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | TWO PIERCE PLACE ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FEDERAL INSURANCE COMPANY | $431 | — | $431 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | — | $1.1M |
| 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 | $90K |
| LINCOLN NATIONAL LIFE INS CO EIN 35-0472300 STD ADMIN SERVICES | Claims processing Service code 12 | — | $54K |
| CVS PHARMACY, INC EIN 05-0340626 RX ADMIN | Claims processing Service code 12 | 1 CVS DRIVE WOONSOCKET, RI 02895 | $45K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $3K |
| CIGNA | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication 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 | 1,133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $153K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $153K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,501 | $178K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,160 | $655K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,467 | $588K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 4,559 | $715K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,559 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.