| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV. INC. | 300 N. BEACH ST DAYTONA, FL 32114 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $23K | $11K | $34K | 2.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | — | $12K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 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 | $2K | — | $2K | 2.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $1K | $46 | $2K | 1.73% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST SUITE 300 PROVIDENCE, RI 02908 | NORTHWEST MUTUAL | $1K | $375 | $2K | 13.15% |
| JEFFREY A IMLAY3 | 5251 W 116TH PL SUITE 300 LEAWOOD, KS 66211 | NORTHWEST MUTUAL | $638 | $271 | $909 | 6.41% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWEST MUTUAL | $142 | $17 | $159 | 1.12% |
| RPS BENEFITS INC3 Filed as: RPS FNCL GRP INC | 5251 W 116TH PL SUITE 300 LEAWOOD, KS 66211 | NORTHWEST MUTUAL | $81 | $10 | $91 | 0.64% |
| PETER J WARREN3 | 275 PROMONADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWEST MUTUAL | $47 | $17 | $64 | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV. INC. | 300 N. BEACH ST DAYTONA, FL 32114 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $748 | — | $748 | 10.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $207 | — | $207 | 3.02% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 105 | $1.3M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 152 | $87K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 59 | $7K |
| Life insurance | NORTHWEST MUTUAL | 132 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.