| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $125K | $136K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MA SOUTHBORO | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $113K | $131K | 2.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $99 | $42K | 7.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $99 | $10K | 1.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 181 SOUTH FRANKLIN STREET HOLBROOK, MA 02343 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.19% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | — | $3K | $3K | 1.39% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 22934 THREE NOTCH ROAD SUITRE B CALIFORNIA, MD 20619 | CAREFIRST OF MARYLAND, INC. | $648 | $1K | $2K | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $99 | $10K | 15.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $99 | $2K | 3.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 181 SOUTH FRANKLIN STREET HOLBROOK, MA 02343 | METROPOLITAN LIFE INSURANCE COMPANY | — | $117 | $117 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $99 | $7K | 15.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $923 | $923 | 2.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $762 | $99 | $861 | 1.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 181 SOUTH FRANKLIN STREET HOLBROOK, MA 02343 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $99 | $7K | 15.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $733 | $99 | $832 | 1.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $798 | $798 | 1.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 181 SOUTH FRANKLIN STREET HOLBROOK, MA 02343 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METLIFE LEGAL PLANS | $1K | — | $1K | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METLIFE LEGAL PLANS | $99 | — | $99 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METLIFE LEGAL PLANS | — | $96 | $96 | 0.91% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,196 | $6.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,196 | $6.0M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,196 | $6.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $599K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $599K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $599K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 24 | $225K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 983 | $761K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,196 | — |
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.