| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | — | BLUE CROSS BLUE SHIELD OF MA, INC. | $59K | — | $59K | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | — | BLUE CROSS BLUE SHIELD OF MA, INC. | $5K | — | $5K | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | — | BLUE CROSS BLUE SHIELD OF MA, INC. | $5K | — | $5K | 3.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | — | BLUE CROSS BLUE SHIELD OF MA, INC. | $240 | — | $240 | 0.17% |
| HAYS COMPANIES, INC.3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $408 | $3K | 6.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $260 | $4K | 11.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON STREET SUITE 325 BOSTON, MA 02110 | EYEMED VISION PLAN | $2K | — | $2K | 10.01% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA, INC. | 267 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MA, INC. | 343 | $145K |
| Vision | EYEMED VISION PLAN | 221 | $17K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $57K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA, INC. | 267 | $2.6M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.