| 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 301 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $15K | $16K | $31K | 1.36% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERCIAL STREET SUITE 101 SHARON, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $25K | — | $25K | 1.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 301 DEDHAM, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $3K | — | $3K | 2.02% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERICAL DRIVE SUITE 101 SHARON, MA 02076 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $2K | — | $2K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 333 ELM STREET SUITE 301 DEDHAM, MA 02026 | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | $1K | $513 | $2K | 2.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 301 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $208 | $3K | 5.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PWKY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 333 ELM STREET SUITE 301 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $118 | $2K | 8.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURNACE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.89% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE COMPANY | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $259 | — | $259 | 3.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE # 1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $238 | — | $238 | 14.88% |
| CAROLE FRANCO3 | 2140 SHADOW CANYON DRIVE HENDERSON, NV 89044 | SECURECARE DENTAL | $156 | — | $156 | 11.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 7201 W. LAKE MEADE BLVD SUITE 220 LAS VEGAS, NV 89128 | SECURECARE DENTAL | $78 | — | $78 | 5.59% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 353 | $2.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 394 | $151K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $85K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $55K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.