| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, VA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $56K | $28K | $84K | 1.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 300 N BEACH ST DAYTONA, FL 32114 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $53K | — | $53K | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 980-990 WASHINGTON ST 3RD FLOOR DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97 | — | $97 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | VISION SERVICE PLAN | $1K | — | $1K | 4.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 980 WASHINGTON ST STE 325 DEDHAM, MA 020266797 | VISION SERVICE PLAN | $499 | — | $499 | 1.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 980-990 WASHINGTON STREET 3RD FLOOR DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $202 | — | $202 | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 980-990 WASHINGTON ST 3RD FLOOR DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | — | $648 | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 980-990 WASHINGTON ST 3RD FLOOR DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $230 | — | $230 | 19.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 980-990 WASHINGTON ST 3RD FLOOR DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $114 | — | $114 | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 980-990 WASHINGTON ST 3RD FLOOR DEDHAM, MA 02026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $75 | — | $75 | 9.93% |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 482 | $4.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 482 | $4.3M |
| Vision | VISION SERVICE PLAN | 186 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 439 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $115K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 482 | $4.3M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 439 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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."
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.