| 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 ST. STE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $80K | $16K | $96K | 1.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $64K | — | $64K | 1.27% |
| INDIGO INSURANCE SERVICES3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 5.18% |
| HAYS COMPANIES, INC.3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.81% |
| ENROLLEASE3 Filed as: ONE DIGITAL LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.05% |
| HAYS COMPANIES, INC.3 | 1500 BROADWAY, 21ST FLOOR SUITE 700 NEW YORK, NY 10036 | GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 100.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWAY SE SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 83.60% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 807 | $5.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 294 | $13K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 807 | $5.0M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 399 | $257K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 399 | $257K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 399 | $257K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 807 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.