| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $119K | $196K | 4.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120K | $107K | $227K | 7.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 350 SOUTHBOROUGH, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $180K | $30K | $209K | 17.46% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $91K | $5K | $97K | 25.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 350 SOUTHBOROUGH, MA 01772 | UNUM INSURANCE COMPANY | $20K | $2K | $23K | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 30 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $607 | $10K | 6.33% |
| GREGORY JAMES HODGES3 Filed as: GREGORY HODGES | 5775 GLENRIDGE DRIVE, SUITE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $301 | $0 | $301 | 0.19% |
| GEORGE KAMEL3 | 3916 VANDERHOST DRIVE VIRGINIA BEACH, VA 23462 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | $0 | $5K | 9.78% |
| GEORGE KAMEL3 | 3916 VANDERHOST DRIVE VIRGINIA BEACH, VA 23462 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 10.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | SIRIUS AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 8.00% |
| MASSACHUSETTS HOSPITAL ASSOCIATION3 | 500 DISTRICT AVENUE BURLINGTON, MA 01803 | SIRIUS AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 5.00% |
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 | 4,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $157K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,062 | $4.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 4,961 | $315K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,124 | $1.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,647 | $2.9M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,124 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,062 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.