| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MA, LLC | 360 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | MASS GENERAL BRIGHAM | $18K | $161 | $18K | 2.21% |
| RISK STRATEGIES COMPANY3 Filed as: CABOT RISK STRATEGIES, LLC | 15 CABOT ROAD SUITE 325 WOBURN, MA 02138 | MASS GENERAL BRIGHAM | $6K | — | $6K | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 360 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MA | $2K | $0 | $2K | 4.25% |
| RISK STRATEGIES COMPANY Filed as: CABOT RISK | 15 CABOT ROAD WOBURN, MA 02138 | BLUE CROSS BLUE SHIELD OF MA | $733 | — | $733 | 1.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 360 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | RELIANCE SHIELD LIFE INSURANCE COMPANY | $1K | $161 | $1K | 15.03% |
| RISK STRATEGIES COMPANY3 Filed as: CABOT RISK STRATEGIES, LLC | 15 CABOT ROAD WOBURN, MA 02138 | RELIANCE SHIELD LIFE INSURANCE COMPANY | $376 | — | $376 | 3.84% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MASS GENERAL BRIGHAM | 53 | $826K |
| Dental | BLUE CROSS BLUE SHIELD OF MA | 54 | $50K |
| Prescription drug | MASS GENERAL BRIGHAM | 53 | $826K |
| Other | RELIANCE SHIELD LIFE INSURANCE COMPANY | 93 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.