| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $30K | $14K | $44K | 4.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $2K | $14K | 22.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | PO BOX 745949 ATLANTA, GA 30374 | FIDELITY SECURITY LIFE INSURANCE COMPANY EYEMED VISION CARE | $1K | — | $1K | 9.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE DIFFERENCE CARD TPA/HRA | Claims processing Service code 12 | PO BOX 322 MOUNT KISCO, NY 10549 | $17K |
| SUNLIFE ASSURANCE COMPANY OF CANADA EIN 38-1082080 TPA/DENTAL | Claims processing Service code 12 | — | $10K |
| BROWN & BROWN OF MASSACHUSETTS BROKER/DENTAL | Insurance agents and brokers Service code 22 | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | $5K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 180 | $986K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY EYEMED VISION CARE | 151 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $64K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $64K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 180 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.