| 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 | 14.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.13% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $750 | $190 | $940 | 2.34% |
| THOMAS J. LEONE3 | 76 BATTERSON PARK RD. FL 1 FARMINGTON, CT 06032 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $467 | — | $467 | 1.16% |
| TIMOTHY G MALONEY3 Filed as: TIMOTHY G. MALONEY | 433 S MAIN ST STE 107 WEST HARTFORD, CT 06110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $260 | — | $260 | 0.65% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $198 | — | $198 | 0.49% |
| DENNIS GOMES3 | 330 WHITNEY AVE HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $109 | — | $109 | 0.27% |
| PETER NOVAK3 | 24 CENTURY HILL DR LATHAM, NY 12110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $39 | $39 | 0.10% |
| LEONE, THOMAS, J3 | 100 CORPORATE PLACE STE 210 ROCKY HILL, CT 06067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 24.39% |
| MALONEY, TIMOTHY G3 Filed as: MALONEY, TIMOTHY, G | 433 S MAIN ST STE 107 WEST HARTFORD, CT 06110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 24.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.92% |
| MASS FINANCIAL SERVICES3 Filed as: MASS FINCL SVC INS AGCY INC | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $158 | — | $158 | 14.96% |
| MASS FINANCIAL SERVICES3 Filed as: MASS FINCL SVC INS AGCY INC | PO BOX 287 MILLBURY, MA 01527 | HARTFORD LIFE AND ACCIDENT | — | $6 | $6 | 0.57% |
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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | 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 | 708 | $793K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 708 | $713K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $94K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $158K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 708 | $793K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.