| 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 | STANDARD INSURANCE COMPANY | $232K | — | $232K | 4.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $154K | — | $154K | 3.36% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $7K | $22K | 31.47% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $8K | 10.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST DEDHAM, MA 02056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 8.01% |
| DAVID L FLEURY3 | 545 SOUTH WATER ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 6.44% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $955 | $4K | 5.34% |
| KENDRA LYNN MORRIS3 | 3 RIDGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $172 | $2K | 2.33% |
| FALVEY BENEFIT ADVISORS INC3 | 15 GERORDAN AVE BELLINGHAM, MA 02019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $812 | $404 | $1K | 1.70% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
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 | 14,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,067 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 351 | $415K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $131K |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 18 | $343K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 16,206 | $4.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 14,520 | $5.7M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 18 | $330K |
| Other(3 contracts, 3 carriers) | MAGELLAN HEALTHCARE | 16,753 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,753 | — |
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."
No prospect flags tripped on this filing.