| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN JOYCE3 | 1 MONARCH PLACE, SUITE 2100 SPRINGFIELD, MA 01144 | NORTHWESTERN MUTUAL | $2K | $472 | $2K | 4.26% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $1K | $354 | $2K | 3.19% |
| PAUL AMATA3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $1K | $354 | $2K | 3.19% |
| PIZZUTI GROUP LLC3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $749 | $90 | $839 | 1.52% |
| COREY MICHAEL CARON3 Filed as: COREY CARON | 20 CHURCH STREET, SUITE 710 HARTFORD, CT 06103 | NORTHWESTERN MUTUAL | $187 | $67 | $254 | 0.46% |
| JOHN JOYCE3 | 1 MONARCH PLACE, SUITE 2100 SPRINGFIELD, MA 01144 | NORTHWESTERN MUTUAL | $993 | $422 | $1K | 3.85% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $745 | $317 | $1K | 2.89% |
| PAUL AMATA3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $745 | $317 | $1K | 2.89% |
| PIZZUTI GROUP LLC3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $397 | $48 | $445 | 1.21% |
| COREY MICHAEL CARON3 Filed as: COREY CARON | 20 CHURCH STREET, SUITE 710 HARTFORD, CT 06103 | NORTHWESTERN MUTUAL | $99 | $36 | $135 | 0.37% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 281 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 281 | $55K |
| Other(3 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 281 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.