| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $125K | $45K | $170K | 6.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $34K | $110K | 6.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45 | $45 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $118K | — | $118K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $610 | $610 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 9.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $145 | — | $145 | 8.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATION | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $1.8M |
| BROWN & BROWN OF MASSACHUSETTS LLC EIN 27-4732361 BROKER | Other commissions Service code 55 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $90K |
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 REIMB. ADMIN. SERVICES | Contract Administrator Service code 13 | — | $73K |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN FEES | Contract Administrator Service code 13 | — | $9K |
| CIGNA | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $0 |
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 | 2,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,839 | $1.7M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,500 | $193K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,928 | $1.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,928 | $1.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,726 | $2.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,928 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,839 | — |
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.