| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | COLONIAL LIFE & ACCIDENT COMPANY | $14K | — | $14K | 7.82% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFON, MA 01519 | COLONIAL LIFE & ACCIDENT COMPANY | $8K | — | $8K | 4.16% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT COMPANY | $5K | — | $5K | 2.92% |
| MARY-JOYCE LICATA3 | 83 HATCHERY ROAD NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT COMPANY | $4K | — | $4K | 2.36% |
| KENDRA LYNN MORRIS3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $3K | — | $3K | 1.70% |
| MARY-JOYCE LICATA3 | 583 HATCHERY ROAD KINGSTON, RI 02852 | COLONIAL LIFE & ACCIDENT COMPANY | $298 | — | $298 | 0.16% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT COMPANY | $210 | — | $210 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $14K | $11K | $25K | 33.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $884 | $667 | $2K | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | — | $672 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $160 | — | $160 | 1.19% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 384 | $196K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $59K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 96 | $75K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 384 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.