| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONARD J MONTANARI3 | 31 FREDERICK ST NEWINGTONG, CT 06111 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $681 | — | $681 | — |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ADAMS | 2 FOREST PARK DR FARMINGTON, CT 06032 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $416 | — | $416 | — |
| EDWARD D SOMMER3 Filed as: EDWARD SUNTER | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $362 | — | $362 | — |
| ROBIN CAMERON DIETZ3 Filed as: ROBIN DIETZ | 40 WHITE OAKS DR LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $318 | — | $318 | — |
| PETER CASSELL3 | 711 SILVER ST AGAWAM, MA 01001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $179 | — | $179 | — |
| GRANT DAVID FRASER3 | 1014 POLARIS DR NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $166 | — | $166 | — |
| JAMES C ADAMS3 | 2 FORREST PARK DR FARMINGTON, CT 06032 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $162 | — | $162 | — |
| EDWARD P SUNTER3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $122 | — | $122 | — |
| BAXTER H MAFFETT3 | 100 PEARL ST FL 3 HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $120 | — | $120 | — |
| DANIEL F MCCARTHY3 | C/O CM SMITH FINANCAL, INC 100 PEARL ST FL 3 W HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $120 | — | $120 | — |
| ALAN MATTHEW LAPORTE3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $110 | — | $110 | — |
| LEONARD J MONTANARI3 Filed as: LEONARD J MONATANARI | 31 FREDERICK ST NEWINGTON, CT 06111 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $94 | — | $94 | — |
| KEVIN A VESTAL3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $81 | — | $81 | — |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $74 | — | $74 | — |
| CHARLES E FORGET3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $73 | — | $73 | — |
| TODD EUGENE HOLT3 Filed as: TODD EUGEN HOLT | 317 GRACE LN #250 AUSTIN, TX 78746 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $68 | — | $68 | — |
| ALAN MATTHEW LAPORTE3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $68 | — | $68 | — |
| CHARLES E FORGET3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $40 | — | $40 | — |
| ROBIN CAMERON DIETZ3 | 40 WHITE OAKS DR LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $36 | — | $36 | — |
| CHRISTOPHE B SHUMAN3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $33 | — | $33 | — |
| MATTHEW SCARAFONI3 Filed as: MATTHEW J SCARAFONI | 128 SOUTH ST PITTSFIELD, MA 01201 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32 | — | $32 | — |
| ROLAND GAUDETTE3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $28 | — | $28 | — |
| CHARLES EPSTEIN3 Filed as: CHARLES DAVID EPSTEIN | 12 SOMERS RD EAST LONGMEADOW, MA 01028 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18 | — | $18 | — |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M MCGRATH | 2531 LANDMARK DR STE 204 CLEARWATER, FL 33761 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17 | — | $17 | — |
| DONALD CAMERON3 Filed as: DONALD D CAMERON | 18 LINCOLN LN NEWCASTLE, ME 04553 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | — |
| BAXTER H MAFFETT3 Filed as: BAXTER MAFFETT | 100 PEARL ST FL 3 HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | — |
| DANIEL F MCCARTHY3 | C/O CM SMITH FINANCIAL INC 100 PEARL ST FL 3 W HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9 | — | $9 | — |
| JAMES MCGRATH3 | 2531 LANDMARK ST. STE 204 CLEARWATER, FL 33761 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6 | — | $6 | — |
| RICHARD A ST JEAN3 | 280 CONGRESS ST STE 1300 BOSTON, MA 02210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | — | $0 | — |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 145 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.