| 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. | $317K | $260 | $318K | 3.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON ST. SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $103K | $0 | $103K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST. SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $12K | $30K | 2.39% |
| 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 | $18K | $63 | $18K | 1.44% |
| 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 | $9K | $9K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $327 | $10K | 15.15% |
| 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 | $10K | $61 | $10K | 14.75% |
| 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 | $316 | $316 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $177 | $6K | 14.84% |
| 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 | $63 | $5K | 14.53% |
| 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 | $171 | $171 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $123 | $4K | 13.75% |
| 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 | $63 | $4K | 13.53% |
| 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 | $119 | $119 | 0.43% |
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 | 956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,750 | $8.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,765 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,765 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,765 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,047 | $358K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,750 | $8.6M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,765 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,765 | — |
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.