| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALISHA K ROBINSON3 Filed as: ALISHA KAY ROBINSON | PO BOX 272 OLD FORGE, NY 13420 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 35.83% |
| CHARLES ROBINSON3 | PO BOX 272 OLD FORGE, NY 13420 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 31.35% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 32 E GENESEE ST AUBURN, NY 13021 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 19.69% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 13924 E DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 16.97% |
| ENROLL CONFIDENTLY INC3 | 13924 E DYER LN SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.68% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, NJ 07719 | GUARDIAN LIFE | $11K | $5K | $17K | 19.98% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE | 163 | $83K |
| Vision | GUARDIAN LIFE | 163 | $83K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 377 | $199K |
| Short-term disability | GUARDIAN LIFE | 163 | $83K |
| Other | GUARDIAN LIFE | 163 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.