| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H JOYCE3 Filed as: JOHN H. JOYCE | 1351 MAIN STREET SPRINGFIELD, MA 01103 | NORTHWESTERN MUTUAL | $2K | $528 | $3K | 5.24% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $428 | $2K | 3.99% |
| PAUL AMATA3 Filed as: PAUL E. AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $422 | $2K | 3.98% |
| NM WEST HARTFORD LLC3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $827 | $99 | $926 | 1.87% |
| KATHLEEN MARY KANE3 | 1351 MAIN STREET SPRINGFIELD, MA 01103 | NORTHWESTERN MUTUAL | $207 | $74 | $281 | 0.57% |
| JOHN H JOYCE3 Filed as: JOHN H. JOYCE | 111 TWIN HILLS DRIVE LONGMEADOW, MA 01106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $205 | $0 | $205 | 4.77% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155 | $0 | $155 | 3.61% |
| PAUL AMATA3 Filed as: PAUL E. AMATA | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155 | $0 | $155 | 3.61% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | FEDERAL INSURANCE COMPANY | $450 | $0 | $450 | 15.00% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 198 | $54K |
| Long-term disability | NORTHWESTERN MUTUAL | 198 | $50K |
| Other(3 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 198 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.