| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST. SUITE 235 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $67K | $0 | $67K | 3.56% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INS AGCY DBA YOZELL ASSO | 155 FEDERAL STREET SUITE 1100 BOSTON, MA 02110 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $20K | $0 | $20K | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $0 | $5K | $5K | 0.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON ST. SUITE 235 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $16K | $0 | $16K | 3.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON ST. SUITE 235 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $12K | $0 | $12K | 3.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST. SUITE 325 DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS INC | $5K | $0 | $5K | 3.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 14.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 16.16% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $565 | $7 | $572 | 2.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 15.23% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $0 | $264 | 1.63% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 89 | $3.5M |
| Dental | DELTA DENTAL OF MASSACHUSETTS INC | 291 | $135K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $100K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $100K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.