| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $28K | $15K | $43K | 1.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 225 BROADHOLLOW RD, STE 300 MELVILLE, NY 11747 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | — | $22K | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 225 BROADHOLLOW RD, STE 300 MELVILLE, NY 11747 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | $5K | — | $5K | 2.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA,LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | $4K | — | $4K | 2.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON ST, SUITE 600 BOSTON, MA 02199 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $378 | $378 | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 02241 | STANDARD INSURANCE COMPANY | -$4 | — | -$4 | -0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET, SUITE 600 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 200 LIBERTY ST. 6TH FLOOR NEW YORK, NY 10281 | FOUR EVER LIFE INS CO. | $4K | — | $4K | 10.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE, STE 1300 MAIL STOP 01/17 BOSTON, MA 02199 | FOUR EVER LIFE INS CO. | — | $2K | $2K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC | PO BOX 416672 BOSTON, MA 02241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON ST, SUITE 600 BOSTON, MA 02199 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | JP MORGAN CHASE NEW YORK, NY 10249 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $768 | — | $768 | 3.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 3 COPLEY PLACE, STE 300 BOSTON, MA 02116 | FOUR EVER LIFE INSURANCE CO | $864 | — | $864 | 15.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 101 HUNTINGTON AVE, STE 1300 MAIL STOP O1/17 BOSTON, MA 02199 | FOUR EVER LIFE INSURANCE CO | — | $461 | $461 | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON ST, SUITE 600 BOSTON, MA 02199 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $146 | — | $146 | 6.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $107 | — | $107 | 4.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $19 | $19 | 0.82% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 133 | $2.5M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS, INC. | 132 | $221K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 281 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 146 | $75K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 4 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $54K |
| Other(7 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 255 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.