| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD, SUITE 330 SOUTHBOROUGH, MA 01772 | SYMETRA LIFE INSURANCE COMPANY | $44K | $11K | $55K | 19.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUBH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.88% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LEGAL CLUB OF AMERICA | $1K | — | $1K | 28.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE ITASCA, IL 60143 | LEGAL CLUB OF AMERICA | $414 | — | $414 | 11.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 21ST FL TWO PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE IINSURANCE COMPANY OF AMERICA | $118 | — | $118 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $335K |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Contract Administrator Service code 13 | 465 MEDFORD STREET BOSTON, MA 02129 | $45K |
| BROWN & BROWN OF MA LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $35K |
| HEALTHSMART EIN 36-4099199 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 10303 E. DRY CREEK ROAD #200 ENGLEWOOD, CO 80112 | $7K |
| STRATEGIC BENEFIT ADVISORS EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $7K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | $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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 404 | $28K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 425 | $281K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 425 | $281K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 425 | $281K |
| Other(6 contracts, 6 carriers) | SYMETRA LIFE INSURANCE COMPANY | 425 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.