| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 4.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | 10 STATE HOUSE SQ FLOOR 11 HARTFORD, CT 06103 | METLIFE LEGAL PLANS | $2K | $356 | $3K | 11.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $149 | $2K | 10.59% |
| THOMAS J. LEONE3 | 76 BATTERSON PARK RD. FL 1 FARMINGTON, CT 06032 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $222 | — | $222 | 1.60% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 734 LONGMEADOW ST #312 LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $155 | — | $155 | 1.11% |
| DENNIS GOMES3 | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $82 | — | $82 | 0.59% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $45 | $19 | $64 | 0.46% |
| ANDREW L MOORE3 Filed as: ANDREW L. MOORE | 4695 MACARTHUR CT SUTE 1000 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.14% |
| TIMOTHY G MALONEY3 Filed as: TIMOTHY G. MALONEY | 433 S MAIN ST STE 107 WEST HARTFORD, CT 06110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| LEONE, THOMAS, J3 | 100 CORPORATE PLACE STE 210 ROCKY HILL, CT 06067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 4.43% |
| MALONEY, TIMOTHY G3 Filed as: MALONEY, TIMOTHY, G | 433 S MAIN ST STE 107 WEST HARTFORD, CT 06110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 4.43% |
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SERVICES AGENCY | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $203 | $4 | $207 | 15.31% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 8 | $157K |
| Vision | ANTHEM HEALTH PLANS, INC. | 378 | $41K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $111K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $146K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 8 | $157K |
| Other(3 contracts, 3 carriers) | METLIFE LEGAL PLANS | 656 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.