| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CT LLC | PO BOX 414965 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $142K | $2K | $144K | 30.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $9K | $19K | 8.59% |
| THOMAS J. LEONE3 | 76 BATTERSON PARK RD. FL 1 FARMINGTON, CT 06032 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $978 | $6K | 18.12% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $856 | $1K | $2K | 6.70% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 501 MERRITT 7, 5TH FL. NORWALK, CT 068517002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $158 | — | $158 | 0.46% |
| DENNIS GOMES3 | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $124 | — | $124 | 0.36% |
| PETER G CAREY3 Filed as: PETER G. CAREY | 4 POWERS CT SIMSBURY, CT 06070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| MASS FINANCIAL SERVICES3 Filed as: MASS FINCL SVCS INS. AGCY INC. | C/O MA BANKER ASSOC. ONE WASHINGTON MALL, 8TH FL. BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $135 | $11 | $146 | 16.24% |
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 | 417 | 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) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 702 | $564K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 702 | $504K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $221K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $255K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 702 | $564K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.