| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 5.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | METLIFE LEGAL PLANS | $3K | — | $3K | 9.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | METLIFE LEGAL PLANS | — | $291 | $291 | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | 10 STATE HOUSE SQ FLOOR 11 HARTFORD, CT 06103 | METLIFE LEGAL PLANS | — | $218 | $218 | 0.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL & HOBBS, LLC | 100 PARK AVENUE 14TH FLOOR NEW YORK, NY 10017 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.10% |
| DENNIS GOMES3 | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $81 | — | $81 | 0.70% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 734 LONGMEADOW ST #312 LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61 | — | $61 | 0.53% |
| ANDREW L MOORE3 Filed as: ANDREW L. MOORE | 4695 MACARTHUR CT STE 1000 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.17% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| MA FINANCIAL SERVICES INS. AGENCY3 | ONE WASHINGTON MALL, 8TH FLOOR BOSTON, MA 02108 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $95 | — | $95 | 14.96% |
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 | 684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 7 | $149K |
| Vision | ANTHEM HEALTH PLANS, INC. | 0 | $56K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 631 | $242K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 631 | $254K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 7 | $149K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 706 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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.