| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE ROAD, SITE 330 SOUTHBOROUGH, MA 01772 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $39K | $9K | $48K | 16.44% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 144 TURNPIKE ROAD, SITE 330 SOUTHBOROUGH, MA 01772 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $5K | $0 | $5K | 9.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE ROAD, SITE 330 SOUTHBOROUGH, MA 01772 | ZURICH AMERICAN INSURANCE COMPANY | $758 | $0 | $758 | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE ROAD, SITE 330 SOUTHBOROUGH, MA 01772 | LEGAL CLUB OF AMERICA | $413 | $0 | $413 | 8.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LEGAL CLUB OF AMERICA | $115 | $0 | $115 | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | $0 | $118 | 3.99% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 710 | $47K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 547 | $290K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 547 | $290K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 547 | $290K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 547 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.