| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MA | $72K | $13K | $85K | 3.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MA | $7K | — | $7K | 3.10% |
| 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 | $16K | $4K | $20K | 18.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 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 INSURANCE COMPANY | $10K | $4K | $14K | 13.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 595 STEWART AVE. SUITE 700 SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.55% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 9.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $299 | — | $299 | 1.66% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA | 216 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MA | 225 | $210K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 241 | $18K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $185K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 275 | $104K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA | 216 | $2.2M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 276 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.