| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA/STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, STE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $2K | $51K | 15.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, STE 330 SOUTHBOROUGH, MA 01772 | LEGAL CLUB OF AMERICA | $519 | — | $519 | 19.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE ITASCA, IL 60143 | LEGAL CLUB OF AMERICA | $263 | — | $263 | 9.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 21ST FLOOR TWO PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102 | — | $102 | 4.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 CONTRACT ADMINISTRATOR | Participant communication; Contract Administrator; Claims processing; Other services Service code 12 | — | $347K |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Contract Administrator Service code 13 | 465 MEDFORD STREET BOSTON, MA 02129 | $52K |
| BROWN & BROWN OF MA LLC | Consulting (general) Service code 16 | — | $37K |
| SENTINEL BENEFITS GROUP,LLC EIN 20-5916766 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 100 QUANNAPOWITT PARKWAY, SUITE 300 WAKEFIELD, MA 01880 | $10K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | $6K |
| BROWN & BROWN OF MA, LLC EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 470 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $332K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $332K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $332K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.