| 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 STE 300 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $11K | $28K | 3.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $4K | $54K | 26.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET STE. 300 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 26.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | EYEMED VISION PLAN | $4K | — | $4K | 10.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET DEDHAM, MA 02026 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $893 | $148 | $1K | 13.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 75 JOHN ROBERTS ROAD PORTLAND, ME 04112 | FEDERAL INSURANCE COMPANY | $489 | — | $489 | 15.01% |
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 | 1,334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,582 | $700K |
| Vision | EYEMED VISION PLAN | 774 | $38K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,582 | $910K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $203K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $210K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,582 | $974K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,582 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.