| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $43K | $10K | $53K | 2.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 8.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $790 | $5K | 4.32% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HM LIFE INSURANCE COMPANY - DAVIS VISION | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $60 | $2K | 14.94% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $479 | $479 | 4.54% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $439 | — | $439 | 4.16% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - WAKEFIELD INC | 401 EDGEWATER PL STE 220 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | — | $25 | 0.24% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 CROWN COLONY DR STE 308 QUINCY, MA 02169 | METROPOLITAN LIFE INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $256 | $14 | $270 | 10.54% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 04332 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $32 | $32 | 1.25% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 313 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $116K |
| Vision | HM LIFE INSURANCE COMPANY - DAVIS VISION | 110 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $177K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $177K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $177K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
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.