| 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 MASSACHUSETTS, INC | $75K | — | $75K | 2.53% |
| UNKNOWN | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $15K | — | $15K | 0.50% |
| MICHAEL GIANNATTASIO3 | 210 BROADWAY STE 102 LYNNFIELD, MA 01940 | UNITED OF OMAHA MUTUAL COMPANY | $5K | — | $5K | 5.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | THE HARTFORD | $8K | $3K | $11K | 16.04% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 101 HUNTINGTON AVE STE 1300 BOSTON, MA 02199 | THE HARTFORD | — | $5K | $5K | 7.61% |
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 | 445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 445 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 445 | $2.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 445 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA MUTUAL COMPANY | 260 | $152K |
| Long-term disability | THE HARTFORD | 231 | $71K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA MUTUAL COMPANY | 260 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.