| 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 | $96K | — | $96K | 16.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 5.72% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $991 | $971 | $2K | 4.88% |
| THOMAS J. LEONE3 | 76 BATTERSON PARK RD. FL 1 FARMINGTON, CT 06032 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.59% |
| TIMOTHY G MALONEY3 Filed as: TIMOTHY G. MALONEY | 433 S MAIN ST STE 107 WEST HARTFORD, CT 06110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $512 | — | $512 | 1.27% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 501 MERRITT 7, 5TH FL. NORWALK, CT 06851 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $260 | — | $260 | 0.65% |
| RAYMOND J KUBICK3 | 2321 WHITNEY AVE STE 402B HAMDEN, CT 06518 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $171 | $32 | $203 | 0.50% |
| DENNIS GOMES3 | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $112 | — | $112 | 0.28% |
| MASS FINANCIAL SERVICES3 Filed as: MASS FINCL SVCS INS. AGCY INC. | PO BOX 835 DAYVILLE, CT 06241 | HARTFORD LIFE AND ACCIDENT | $149 | — | $149 | 15.01% |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | 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 | 676 | $717K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 676 | $627K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 473 | $241K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 473 | $281K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 676 | $717K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 473 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.