| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | DENTAL SERVICE OF MASSACHUSETTS, INC. | $10K | — | $10K | 2.35% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | DENTAL SERVICE OF MASSACHUSETTS, INC. | $2K | $773 | $2K | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE HILL OFFICE STE P BRAINTREE, MA 02184 | SYMETRA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 13.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO | DBA GALLAGHER BENEFIT SERVICES 2 PIERCE PL ITASCA, IL 60143 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-BRAINTRE | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | EYEMED VISION CARE | $2K | — | $2K | 8.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | EYEMED VISION CARE | $169 | — | $169 | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | OF BRAINTREE MA TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $312 | — | $312 | 6.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14 | $14 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | LEGAL CLUB OF AMERICA | $714 | — | $714 | 25.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK | 2 LIBERTY SQUARE, FLOOR 5 BOSTON, MA 02109 | ZUIRICH AMERICAN INSURANCE COMPANY | $262 | $0 | $262 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MA EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 101 HUNTINGTON DRIVE BOSTON, MA 02199 | $336K |
| HEALTHSMART EIN 36-4099199 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 10303 E.DRY CREEK ROAD SUITE 200 ENGLEWOOD, CO 80112 | $7K |
| BROWN & BROWN OF MA LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $0 |
| GALLAGHER BENEFIT INSURANCE SERVICE CONSULTANT | Consulting (general) Service code 16 | 50 BRAINTREE HILL OFFICE PARK 310 BRAINTREE, MA 02184 | $0 |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. | 337 | $414K |
| Vision | EYEMED VISION CARE | 293 | $20K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 359 | $186K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 359 | $186K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 359 | $186K |
| Other(5 contracts, 5 carriers) | E4 WELLNESS, INC. | 398 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.