| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER S NOVAK3 | 734 LONGMEADOW ST # 312 LONGMEADOW, MA 011602245 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PETER S NOVAK3 | 734, LONGMEADOW ST # 312 LONGMEADOW, MA 011602245 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| WALTER WOLAK3 Filed as: WALTER W WOLAK, JR | 220 GIBRALTAR ROAD STE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $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 | 3,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 284 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 2,547 | $3.3M |
| Other(3 contracts) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 2,547 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,547 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.