| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | CIGNA HEALTH & LIFE INSURANCE COMPA | — | $152K | $152K | 2.22% |
| UMR, INC.0 Filed as: UNITED HEALTHCARE INSURANCE COMPANY | — | UNITED HEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 2.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | LINCOLN FINANCIAL GROUP | — | $5K | $5K | 3.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 2.76% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | OXFORD HEALTH PLANS (CT), INC. | $2K | — | $2K | 67.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | UNITED HEALTHCARE INSURANCE COMPANY, INC. | $312 | — | $312 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $65K |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 164 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPA | 257 | $7.5M |
| Vision | EYEMED VISION CARE | 257 | $98K |
| Life insurance | LINCOLN FINANCIAL GROUP | 257 | $152K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 257 | $79K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 152 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.