| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $42K | $16K | $58K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 554023212 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 4.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N FRANKLIN ST SUITE 1800 TAMPA, FL 33602 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $6K | — | $6K | 7.71% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | — | $5K | $5K | 5.54% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $3K | — | $3K | 3.39% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | -$2 | — | -$2 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $838 | — | $838 | 5.56% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $261 | — | $261 | 1.73% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 257 | $2.6M |
| Vision | VISION SERVICE PLAN | 105 | $15K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 184 | $84K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 184 | $84K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 184 | $84K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 257 | $2.6M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 184 | $84K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.