| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02086 | BLUE CROSS BLUE SHIELD OF MA, INC. | $300K | $105K | $405K | 2.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $10K | $58K | 12.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $60K | $9K | $68K | 17.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 BK MEDICAL HOLDING COM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $7K | $41K | 12.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 12647 ALCOSTA BLVD. SUITE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 12.13% |
| JULIE GERSHON4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES, INC. | $764 | — | $764 | 2.19% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES, INC. | $613 | — | $613 | 1.76% |
| YOZELL INSURANCE, A DIVISION OF BRO3 Filed as: YOZELL/WEST RIDGE INSURANCE AGENCY | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | ACE AMERICAN INSURANCE COMPANY | $285 | — | $285 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $128K |
| HARRIS, ROTHENBERG INTERNATIONAL EIN 27-1649291 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $66K |
| BROWN & BROWN OF MA, LLC EIN 27-4732361 BROKER | Insurance agents and brokers Service code 22 | — | $48K |
| CIGNA BEHAVORIAL HEALTH EIN 41-1648670 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $27K |
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 | 1,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 127 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA, INC. | 1,220 | $19.3M |
| Vision | HUMANA INSURANCE COMPANY | 896 | $113K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,327 | $399K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,339 | $409K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,338 | $477K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA, INC. | 1,220 | $19.3M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,415 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.