| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $60K | — | $60K | 3.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | — | $26K | $26K | 1.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | IDS CENTER STE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 13.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 2.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $5K | — | $5K | 4.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 133 FEDERAL STREET 3RD FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $983 | — | $983 | 6.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 3RD FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $219 | — | $219 | 1.49% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL - SALES OFFICE | 9500 KROGER AVENUE STE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $706 | — | $706 | 13.25% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KROGER AVENUE STE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $534 | — | $534 | 10.02% |
| 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 | $534 | — | $534 | 10.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 SUITE 100 BLDG I AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $267 | $267 | 5.01% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 432 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 417 | $108K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 195 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $139K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $139K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $139K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 432 | $1.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.