| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $126K | $30K | $156K | 2.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MD 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $5K | $31K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | STE 700 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $4K | $2K | $6K | 5.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | STE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $847 | $5K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON ST. SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE | $2K | — | $2K | 5.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON ST. DEDHAM, MA 02026 | EYEMED VISION CARE | $2K | — | $2K | 4.75% |
| JAMES DUNCAN BLUE3 Filed as: JAMES D BLUE | 101 HUNTINGTON AVE. SUITE 401 BOSTON, MA 02199 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | FEDERAL INSURANCE COMPANY | $333 | $67 | $400 | 18.03% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MASSACHUSETTS | $10K | — | $10K | — |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 603 | $5.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 592 | $0 |
| Vision | EYEMED VISION CARE | 382 | $32K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $259K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $270K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 603 | $5.3M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.