| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $51K | $112K | $164K | 3.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94K | $104K | $198K | 4.21% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $28K | $62K | $90K | 3.28% |
| BROWN & BROWN INSURANCE SERVICES3 | 980 WASHINGTON ST, SUITE 325 DEDHAM, MA 02026 | SUN LIFE ASSURANCE COMPANY OF CANADA | $240K | — | $240K | 11.50% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 748422 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $83K | $83K | 4.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METLIFE LEGAL PLANS | $20K | — | $20K | 4.32% |
| BROWN & BROWN INSURANCE SERVICES3 | 181 S FRANKLIN ST HOLBROOK, MA 02343 | METLIFE LEGAL PLANS | $3K | — | $3K | 0.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | C/O UNITED BENEFIT SERVICES 181 WELLS AVENUE NEWTON, MA 02459 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 5900 N. ANDREWS LANE, SUTIE 401 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, STE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.24% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SER | 14285 MIDWAY RD, STE 100 ADDISON, TX 750013619 | METLIFE LEGAL PLANS | — | $44 | $44 | 0.01% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $10K | $18K | 4.15% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $386 | $848 | $1K | 3.28% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $319 | $702 | $1K | 3.27% |
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 | 10,497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 8,820 | $8.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,272 | $4.7M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,165 | $2.1M |
| Other | METLIFE LEGAL PLANS | 1,926 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,272 | — |
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.