| 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 | $147K | $50K | $198K | 6.70% |
| 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 | $319K | $42K | $361K | 17.19% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $13K | $31K | $44K | 2.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $49K | $24K | $73K | 7.47% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 7.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 10.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSCHUSETTS | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $43 | — | $43 | 13.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARVARD PILGRIM HEALTH CARE EIN 04-2452600 ASO ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $662K |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 CONTRACT ADMIN | Contract Administrator Service code 13 | 465 MEDFORD STREET BOSTON, MA 02129 | $186K |
| HPHC INSURANCE COMPANY EIN 04-3149694 ASO ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $39K |
| BROWN & BROWN OF MASSACHUSETTS, LLC EIN 27-4732361 BROKER/CONSULTANT | Consulting (general) Service code 16 | 980 WASHINGTON ST, SUITE 325 DEDHAM, MA 02026 | $36K |
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 | 1,752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,967 | $154K |
| Life insurance(4 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,357 | $2.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,714 | $974K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,714 | $2.9M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 615 | $2.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,357 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,967 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.