| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $37K | — | $37K | 2.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV. INC. | 300 N. BEACH ST DAYTONA, FL 32114 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $11K | $11K | 0.68% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV. INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $5K | — | $5K | 4.58% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST SUITE 300 PROVIDENCE, RI 02908 | NORTHWEST MUTUAL | $6K | $2K | $8K | 13.15% |
| JEFFREY A IMLAY3 | 5251 W 116TH PL SUITE 300 LEAWOOD, KS 66211 | NORTHWEST MUTUAL | $3K | $828 | $4K | 5.86% |
| PETER J WARREN3 | 275 PROMONADE ST SUITE 300 PROVIDENCE, RI 02908 | NORTHWEST MUTUAL | $445 | $160 | $605 | 0.99% |
| RUSSO GROUP LLC3 | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWEST MUTUAL | $445 | $53 | $498 | 0.82% |
| LNG ENTERPRISES LLC3 | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | NORTHWEST MUTUAL | $382 | $46 | $428 | 0.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $961 | — | $961 | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV. INC. | 300 N. BEACH ST DAYTONA, FL 32114 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $0 | — | $0 | 0.00% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 302 | $1.6M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 178 | $102K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 191 | $10K |
| Life insurance | NORTHWEST MUTUAL | 185 | $61K |
| Short-term disability | NORTHWEST MUTUAL | 185 | $61K |
| Long-term disability | NORTHWEST MUTUAL | 185 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.