| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | UNKNOWN BOSTON, MA 02215 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $47K | $14K | $61K | 2.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $4K | $2K | $5K | 4.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.38% |
| UNITED BUSINESS INSURANCE AGENCY3 Filed as: UNITED BUSINESS INSURANCE AENCY | 135 WOOD ROAD BRAINTREE, MA 02184 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.97% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 273 | $2.0M |
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 279 | $131K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $113K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 273 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.