| 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 | HARVARD PILGRIM HEALTHCARE | $73K | — | $73K | 2.84% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | HARVARD PILGRIM HEALTHCARE | $18K | — | $18K | 0.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MA | $8K | — | $8K | 6.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | CIGNA GROUP INSURANCE | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | CIGNA GROUP INSURANCE | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROW & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | CIGNA GROUP INSURANCE | $4K | — | $4K | 13.81% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREE BOSTON, MA 02110 | VISION SERVICE PLAN | $196 | — | $196 | 1.56% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTHCARE | 301 | $2.6M |
| Dental | DELTA DENTAL OF MA | 303 | $136K |
| Vision | VISION SERVICE PLAN | 123 | $13K |
| Life insurance | CIGNA GROUP INSURANCE | 323 | $26K |
| Short-term disability | CIGNA GROUP INSURANCE | 323 | $52K |
| Long-term disability | CIGNA GROUP INSURANCE | 323 | $50K |
| Prescription drug | HARVARD PILGRIM HEALTHCARE | 301 | $2.6M |
| Other | CIGNA GROUP INSURANCE | 323 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.