| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVS, INC | — | BLUE CROSS BLUE SHIELD OF MA, INC. | $71K | $17K | $87K | 3.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVS, INC | — | BLUE CROSS BLUE SHIELD OF MA, INC. | $5K | — | $5K | 3.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC. | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.47% |
| HAYS COMPANIES, INC.3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $774 | $2K | 3.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC. | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.33% |
| HAYS COMPANIES, INC.3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $871 | $494 | $1K | 3.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVS, INC | 980 WASHINGTON STREET SUITE 325 BOSTON, MA 02110 | EYEMED VISION PLAN | $1K | — | $1K | 6.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EYEMED VISION PLAN | $419 | — | $419 | 2.44% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA, INC. | 150 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MA, INC. | 189 | $153K |
| Vision | EYEMED VISION PLAN | 131 | $17K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $55K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $35K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA, INC. | 150 | $2.9M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.