| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 301 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $56K | — | $56K | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 301 DEDHAM, MA 02026 | CAREFIRST BLUE CHOICE | $42K | $6K | $49K | 9.53% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21031 | CAREFIRST BLUE CHOICE | — | $5K | $5K | 0.98% |
| INSURANCE MARKETING CENTER3 | 1101 WOOTEE PARKWAY, SUITE 820 ROCKVILLE, MD 20852 | CAREFIRST BLUE CHOICE | — | $3K | $3K | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $29K | 10.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.81% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $447 | $5K | 28.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET STE 300 DEDHAM, MA 02026 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.88% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON INSURANCE AGENCY | 30 WATERSIDE DRIVE FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 25.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 333 ELM STREET SUITE 301 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $176 | $2K | 11.80% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | UNUN LIFE INSURANCE COMPANY OF AMERICA | $583 | $109 | $692 | 16.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | UNUN LIFE INSURANCE COMPANY OF AMERICA | $250 | — | $250 | 5.82% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 601 | $4.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 544 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $270K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $270K |
| Prescription drug | CAREFIRST BLUE CHOICE | 91 | $511K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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."
No prospect flags tripped on this filing.