| 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, MA 02026 | BLUE CROSS BLUE SHIELD OF MA, INC. | $61K | $13K | $74K | 3.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MA, INC. | $5K | — | $5K | 3.63% |
| HAYS COMPANIES, INC.3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $238 | $3K | 6.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $151 | $3K | 12.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION PLAN | $1K | — | $1K | 7.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON STREET DEDHAM, MA 02026 | EYEMED VISION PLAN | $412 | — | $412 | 2.58% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA, INC. | 274 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MA, INC. | 347 | $141K |
| Vision | EYEMED VISION PLAN | 234 | $16K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $40K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA, INC. | 274 | $2.4M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.