| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $136K | $2K | $137K | 1.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $21K | — | $21K | 2.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3 | $4K | $4K | 0.88% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.84% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA BEHAVIORAL HEALTH, INC. | $3K | $1K | $4K | 3.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | CIGNA BEHAVIORAL HEALTH, INC. | $3K | — | $3K | 2.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6 | — | -$6 | -0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $287 | $287 | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 STD ADMINISTRATOR | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan Service code 12 | — | $14K |
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 | 866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,778 | $11.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,851 | $942K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,143 | $76K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 866 | $466K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $132K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,778 | $11.9M |
| Other(2 contracts, 2 carriers) | CIGNA BEHAVIORAL HEALTH, INC. | 866 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,851 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.