| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 8.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | — | $10K | 3.83% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $51 | $13K | 6.07% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.51% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | PO BOX 745957 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.31% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $715 | $715 | 0.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $115 | $115 | 0.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $237 | — | $237 | 2.60% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $51 | $2K | 21.68% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $378 | — | $378 | 5.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | PO BOX 745957 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 1.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43 | $43 | 0.57% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 980 WASHINGTON STREET SUITE325 DEDHAM, MA 02026 | METROPOLITAN GENERAL INSURANCE COMPANY | $748 | $43 | $791 | 15.86% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $899K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.