| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $41K | $9K | $50K | 1.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | SUNLIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 7.35% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | SUNLIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES INC | PO BOX 748422 ATLANTA, GA 30374 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.89% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $1K | — | $1K | 13.50% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $925 | — | $925 | 18.25% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METLIFE LEGAL PLANS | $508 | — | $508 | 10.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG 1, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $254 | $254 | 5.01% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 252 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 252 | $2.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 200 | $9K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 118 | $107K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 118 | $107K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 118 | $107K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 118 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.