| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 33 ELM STREET SUITE 300 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC | $337K | $117K | $454K | 2.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 33 ELM STREET SUITE 300 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC | — | $183 | $183 | 0.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGY, INC. | 155 FEDERAL STREET STE 1500 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $905 | $905 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $61K | — | $61K | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | — | $48K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | WEST RIDGE INSURANCE AGENCY, INC. 155 FEDERAL STREET STE 1500 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | WEST RIDGE INSURANCE AGENCY, INC. 155 FEDERAL STREET STE 1500 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET, STE 300 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 7.64% |
| YOZELL INSURANCE, A DIVISION OF BRO3 Filed as: YOZELL INSURANCE | 155 FEDERAL STREET #1500 BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.91% |
| YOZELL INSURANCE, A DIVISION OF BRO3 Filed as: YOZELL INSURANCE | 155 FEDERAL STREET, #1500 BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.03% |
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 | 1,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC | 993 | $18.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 1,152 | $1.2M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,187 | $1.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,217 | $321K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,217 | $186K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS,INC | 993 | $16.8M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,217 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,217 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.