| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2300 WEST SAHARA AVE STE 800 LAS VEGAS, NV 89102 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $332K | $88K | $420K | 4.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $185K | $0 | $185K | 1.80% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTION LLC | 1 BEACON ST. SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $8K | $20K | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | PO BOX 743171 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $99 | $12K | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | METROPOLITAN LIFE INSURANCE COMPANY | -$10 | $99 | $89 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.00% |
| PACIFIC RESEARCH BENEFIT ADVISORS3 | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.51% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.00% |
| PACIFIC RESEARCH BENEFIT ADVISORS3 | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.49% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.17% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTION LLC | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $494 | $8K | 10.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | PO BOX 743171 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $99 | $8K | 10.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE NV INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $231 | $231 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.13% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTION LLC | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $331 | $5K | 8.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | PO BOX 743171 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $99 | $5K | 8.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE NV INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $174 | $174 | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2300 WEST SAHARA AVE STE 800 LAS VEGAS, NV 89102 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $99 | $104 | 0.18% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTION LLC | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $243 | $4K | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | PO BOX 743171 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $99 | $4K | 8.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE NV INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $132 | $132 | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2300 WEST SAHARA AVE STE 800 LAS VEGAS, NV 89102 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 743171 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $399 | $3K | — |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTION LLC | P.O. BOX 746600 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $61 | $2K | — |
| PIPER JORDAN HEALTH & BENEFITS3 Filed as: PIPER JORDAN HEALTH & BENEFITS PART | P.O. BOX 745025 LOS ANGELES, CA 99074 | METROPOLITAN GENERAL INSURANCE COMPANY | $522 | $0 | $522 | — |
| PACIFIC RESEARCH BENEFIT ADVISORS3 | P.O. BOX 746600 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $474 | $0 | $474 | — |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,499 | $10.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $798K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $798K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 863 | $272K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,499 | $10.3M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $977K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,499 | — |
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.
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.