| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $108K | — | $108K | 4.62% |
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE AGENCY INC | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $9K | $25K | $34K | 1.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $118K | — | $118K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $52K | — | $52K | 4.62% |
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE AGENCY INC | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $4K | $9K | $14K | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARVARD PILGRIM HEALTH CARE EIN 04-2452600 ASO ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $723K |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 CONTRACT ADMIN | Contract Administrator Service code 13 | 465 MEDFORD STREET BOSTON, MA 02129 | $163K |
| HPHC INSURANCE COMPANY EIN 04-3149694 ASO ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $79K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 BROKER/CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $29K |
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 | 1,478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(6 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,749 | $2.5M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,482 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,482 | $2.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,137 | $1.2M |
| Other(5 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,486 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,749 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.