| 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 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $40K | $8K | $49K | 2.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $575 | $3K | 9.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $426 | $3K | 10.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET, SUITE 330 DEDHAM, MA 02026 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $248 | $2K | 16.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | EYEMED VISION CARE-FIDELITY SECURITY LIFE INS CO | $820 | — | $820 | 8.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM STREET, SUITE 300 DEDHAM, MA 02026 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $287 | $43 | $330 | 13.80% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 237 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 237 | $1.6M |
| Vision | EYEMED VISION CARE-FIDELITY SECURITY LIFE INS CO | 120 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $14K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.