| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC OF NEW JERSEY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $174K | $433 | $174K | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF MASSACHUSETTS | $37K | $0 | $37K | 3.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL ST SUITE 1500 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $45K | $0 | $45K | 5.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 2.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL ST SUITE 1500 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $90K | $0 | $90K | 11.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 2.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC-IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 4.22% |
| AON CONSULTING INC3 | 111 S. CALVERT STREET STE 2010 BALTIMORE, MD 21202 | CAREFIRST BLUECHOICE, INC. | $0 | $4K | $4K | 1.21% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADM SERVICES | 12404 PARK CENTRAL DRIVE STE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $2K | $2K | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL ST STE 1500 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC-IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 4.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL ST STE 1500 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 9.98% |
| AON CONSULTING INC3 Filed as: AON HEWITT - BOSTON, MA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED | $11K | $0 | $11K | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL ST STE 1500 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,691 | $18.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 1,570 | $922K |
| Vision | EYEMED | 1,043 | $106K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,065 | $816K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,030 | $766K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,691 | $18.7M |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,065 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,691 | — |
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.