| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $128K | $16K | $144K | 12.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS INC 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $107K | $25K | $132K | 12.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS INC 144 TURNPIKE RD SUITE 330 SOUTH BOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $79K | $18K | $97K | 12.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE RD SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $10K | — | $10K | 3.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $3K | — | $3K | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF SOUTH CAROLINA EIN 57-0287419 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.2M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $69K |
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 | 4,210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts) | DELTA DENTAL OF RHODE ISLAND | 4,439 | $2.9M |
| Vision | VISION SERVICE PLAN | 2,044 | $266K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,201 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,696 | $790K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,591 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,591 | — |
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.