| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASS LLC | UNKNOWN NEWTON, MA 02459 | HARVARD PILGRIM HEALTH CARE | $100K | $0 | $100K | 2.11% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN NEWTON, MA 02459 | HARVARD PILGRIM HEALTH CARE | $14K | $0 | $14K | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASS LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $5K | $30K | 7.75% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 4.23% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $110 | $10K | 18.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $263 | $6K | 10.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | $0 | $3K | 8.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $822 | $0 | $822 | 2.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASS LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $521 | $0 | $521 | 4.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $445 | $28 | $473 | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $332 | $0 | $332 | 2.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, LLC | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $57 | $57 | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASS, LLC | 181 WELLS AVENUE NEWTON, MA 02459 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $37 | $37 | 0.29% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 307 | $4.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 574 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,180 | $384K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,180 | $384K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 307 | $4.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,180 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,180 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.