| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST SUITE 215 FAIRFIELD, CT 06824 | TUFTS HEALTH PLAN | $51K | $24K | $75K | 2.18% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $28K | $4K | $32K | 11.45% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | — | $10K | 5.01% |
| 360 CORPORATE BENEFIT ADVISORS3 | SEAN CARNEY 1375 KINGS HIGHWAY EAST- SUITE 215 FAIRFIELD, CT 06824 | HUMANA | $971 | — | $971 | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | HUMANA | $176 | — | $176 | 1.66% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $83K | — | $83K | 1500.09% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH PLAN | 490 | $3.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 440 | $207K |
| Vision | HUMANA | 83 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 762 | $277K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 762 | $277K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 762 | $277K |
| Other | HARTFORD LIFE AND ACCIDENT | 381 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.