| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 181 WELLS AVENUE NEWTON, MA 02459 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 1.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 181 WELLS AVENUE NEWTON, MA 02459 | HARVARD PILGRIM HEALTH CARE | $18K | — | $18K | 1.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 181 WELLS AVENUE NEWTON, MA 02459 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 1.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 181 WELLS AVENUE NEWTON, MA 02459 | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | $15K | — | $15K | 5.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM ST 3RD FLOOR DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $696 | $696 | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM ST 3RD FLOOR DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $310 | $310 | 0.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM ST 3RD FLOOR DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $384 | $384 | 1.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM ST 3RD FLOOR DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $325 | $325 | 1.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM ST 3RD FLOOR DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $546 | — | $546 | 24.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17 | $17 | 0.78% |
No Schedule C service providers reported on this filing.
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 | 583 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | 607 | $255K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $23K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.