| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 300 N BEACH ST DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $43K | $18K | $61K | 2.43% |
| 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 MASSACHUSETTS, INC. | $20K | — | $20K | 0.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 655 N. FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.77% |
| TMBG INC3 | 34 HARWOOD ROAD NATICK, MA 017601966 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.43% |
| JOSHAU E MARMOR3 | 34 HARWOOD RD NATICK, MA 017601966 | CONTINENTAL AMERICAN INSURANCE COMPANY | $835 | — | $835 | 2.14% |
| BENEDIKT N MASON3 Filed as: BENEDIKT NICHOLAS MASON | 17 LITTLE BEAR HILL RD WESTFORD, MA 018863938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 0.73% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER JOHN CULLINAN | 188 S MAIN ST COHASSET, MA 020252009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.42% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 021862838 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.29% |
| HAYS COMPANIES, INC.3 | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $378 | $2K | 6.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $949 | — | $949 | 3.38% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $126 | $126 | 0.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $358 | $2K | 9.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.19% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $107 | $107 | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE | $2K | — | $2K | 9.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES,INC. | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE | $639 | — | $639 | 3.81% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 301 | $2.5M |
| Vision | EYEMED VISION CARE | 252 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $28K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 38 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $24K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 301 | $2.5M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 318 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.