| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $205K | $205K | 5.31% |
| POPULYTICS, INC.3 | PO BOX 1830 ALLENTOWN, PA 181051830 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $115K | — | $115K | 2.99% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $154K | $88K | $242K | 20.77% |
| BOOK MICHAEL A3 | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22K | — | $22K | 1.85% |
| BLAKE DAVID CORY3 | 500 MAMORONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 0.65% |
| COWAN HOWARD B3 | 530 5TH AVE FL 14 NEW YORK, NY 100365112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.42% |
| FILOSA DEANNA3 | 48 S SERVICE R STE 400 MELVILLE, NY 117472335 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $300 | — | $300 | 0.03% |
| WATTERS JOHN N JR.3 | 5828 OLD BETHLEHEM PIKE CENTER VALLEY, PA 180349484 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $96 | — | $96 | 0.01% |
| WIGHT EDWARD IRA JR.3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $76 | $1 | $77 | 0.01% |
| MARTIN BRIAN W3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $76 | $1 | $77 | 0.01% |
| SCHANTZ WILLIAM E II3 | 100 GATEWAY DR STE 300 BETHLEHEM, PA 180179431 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $57 | — | $57 | 0.00% |
| SPIES JAMES L III3 | 11350 MCCORMICK RD EP IV 200 HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $50 | — | $50 | 0.00% |
| FISHMAN HARRIS S3 | 2 BALA PLZ STE 901 BALA CYNWYD, PA 190041501 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| THOMPSON WILLIAM EDWARD II3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | $7 | $31 | 0.00% |
| DOBBIE MATTHEW JAMES3 | 5001 LOUISE DR STE 300 MECHANICSBURG, PA 170556912 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13 | $10 | $23 | 0.00% |
| WILLIAMS NICOLE ELAINE3 | 2952 GREEN ST HARRISBURG, PA 171101232 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| KEANE SHAWN R3 | 6 HILLMAN DR STE 101 CHADDS FORD, PA 193179752 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| ST JEAN RICHARD A JR.3 | 101 FEDERAL ST STE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| WOLAK WALTER W JR.3 | 220 GIBRALTAR RD STE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SPARACIO JOSEPH F3 | 9830 E GRANITE PEAK TRL SCOTTSDALE, AZ 852623142 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| POPULYTICS, INC.3 | PO BOX 1830 ALLENTOWN, PA 181051830 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $40K | — | $40K | 6.28% |
| DAVID BLAKE3 | 111 BROOK ST 3RD FLOOR SCARSDALE, NY 10583 | STANDARD INSURANCE COMPANY | $32K | — | $32K | 9.92% |
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE COMPANY INC. | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.23% |
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 | 12,700 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 13,142 | $4.5M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 13,142 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,142 | — |
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.