| 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 | $88K | $2K | $90K | 15.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 4.77% |
| THOMAS J. LEONE3 | 76 BATTERSON PARK RD. FL 1 FARMINGTON, CT 06032 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $71 | $2K | 4.27% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $841 | $413 | $1K | 3.21% |
| DENNIS GOMES3 | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $235 | $3 | $238 | 0.61% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 501 MERRITT 7, 5TH FL. NORWALK, CT 06851 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $175 | — | $175 | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 185 ASYLUM STREET, 25TH FLOOR HARTFORD, CT 06103 | ANTHEM HEALTH PLANS, INC. | -$3K | — | -$3K | -8.15% |
| 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 | $140 | — | $140 | 15.02% |
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 | 447 | 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) | 447 | 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 | 726 | $679K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 726 | $598K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $217K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $256K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 726 | $679K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.