| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | ANTHEM BLUE CROSS | $118K | $143 | $118K | 1.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EXCELLUS BLUE CROSS BLUE SHIELD | $40K | — | $40K | 4.27% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $36K | — | $36K | 4.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | — | MVP HEALTHCARE | $23K | — | $23K | 3.83% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 4.58% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $51 | $16K | 2.92% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | PO BOX 745957 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.38% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.53% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LION STAR INSURANCE S | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $293 | $293 | 0.06% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $265 | — | $265 | 2.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | FIRST UNUM LIFE INSURANCE COMPANY | $227 | — | $227 | 1.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | — | FIRST UNUM LIFE INSURANCE COMPANY | $443 | — | $443 | 3.96% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | — | FIRST UNUM LIFE INSURANCE COMPANY | $316 | — | $316 | 2.83% |
| WILLIAM H. MEYER AGENCY, INC.3 Filed as: WILLIAM H MEYER AGY INC | 1660 NORTHWEST PROFESSIONAL PLAZA COLUMBUS, OH 43220 | FIRST UNUM LIFE INSURANCE COMPANY | $111 | — | $111 | 0.99% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BOULEVARD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | — | $16 | 0.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 5.77% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 3.63% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM BLUE CROSS | 149 | $8.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $532K |
| Vision | ANTHEM BLUE CROSS | 149 | $6.0M |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $556K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 23 | $12K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $532K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 34 | $940K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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.