| 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 BOSTON, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $39K | $15K | $54K | 2.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 655 N. FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.11% |
| TMBG INC3 | 34 HARWOOD ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.74% |
| JOSHUA E MARMOR3 | 34 HARWOOD RD NATICK, MA 017601966 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.35% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER JOHN CULLINAN | 49 FOTTLER RD UNIT 1 HINGHAM, MA 020431537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | — | $579 | 0.61% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 021862838 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 0.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $121 | $2K | 9.56% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $132 | $3K | 13.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 133 FEDERAL STREET 3RD FLOOR BOSTON, MA 02110 | EYEMED VISION CARE | $1K | — | $1K | 8.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON ST. DEDHAM, MA 02026 | EYEMED VISION CARE | $520 | — | $520 | 3.74% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 269 | $2.2M |
| Vision | EYEMED VISION CARE | 203 | $14K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 275 | $120K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 275 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 269 | $2.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 275 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.