| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN MA | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 9.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC.- BOSTON | 980 WASHINGTON STREET STE 325 DEDHAM, MA 02026 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN MA DEDHAM | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV. INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 10.05% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | PO BOX 746600 ATLANTA, GA 303746600 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $291 | — | $291 | 0.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV. INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 20.98% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN & BROWN INSURANCE SERV INC. | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 17.00% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 224 | $169K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 353 | $39K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $193K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $193K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $193K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.