| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $57K | $0 | $57K | 0.99% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE SUITE 220 WAKEFILED, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $35K | $0 | $35K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST., STE. 17100 SUITE 1710 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $5K | $21K | 1.83% |
| 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 | $16K | $77 | $16K | 1.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 975 KELLY JOHNSON DR., STE. 100 LAS VEGAS, NV 89119 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.42% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 043308009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $669 | $9K | 12.98% |
| 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 | $9K | $77 | $9K | 12.16% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 043308009 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA I | 875 KELLY JOHNSON DR., STE 100 LAS VEGAS, NV 89119 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $552 | $552 | 0.76% |
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 | 1,041 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,065 | 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. | 1,593 | $5.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,593 | $5.8M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,623 | — |
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.