| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNIPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $111K | $32K | $142K | 2.23% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHSUETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $53K | $29K | $81K | 2.84% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 0.16% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $114K | $42K | $156K | 7.45% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $193K | $17K | $210K | 10.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE RD SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $59K | — | $59K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $19K | — | $19K | 10.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, LLC | PO BOX 416672 BOSTON, MA 22416 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $42 | $42 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MA EIN 04-1045815 MEDICAL ADMIN | Claims processing Service code 12 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | $3.1M |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $418K |
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 | 9,993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,959 | $593K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 14,400 | $2.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 9,545 | $6.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,449 | $2.9M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,752 | $1.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 9,600 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,400 | — |
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.