| 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 | — | $284K | $284K | 5.34% |
| POPULYTICS, INC.3 Filed as: POPULYTICS, INC | PO BOX 1830 ALLENTOWN, PA 18105 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $136K | — | $136K | 2.55% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $147K | $17K | $164K | 11.44% |
| BOOK MICHAEL A3 | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27K | $36K | $63K | 4.38% |
| COWAN HOWARD B3 | 530 5TH AVE FL 14 NEW YORK, NY 100365112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.21% |
| BLAKE DAVID CORY3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $7 | $3K | 0.18% |
| FILOSA DEANNA3 | 48 S SERVICE RD STE 400 MELVILLE, NY 117472335 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $264 | $0 | $264 | 0.02% |
| WIGHT EDWARD IRA JR.3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $78 | $1 | $79 | 0.01% |
| MARTIN BRIAN W3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $78 | $1 | $79 | 0.01% |
| THOMPSON WILLIAM EDWARD II3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23 | $7 | $30 | 0.00% |
| WOLAK WALTER W JR.3 | 220 GIBRALTAR RD STE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.00% |
| WILLIAMS NICOLE ELAINE3 | 2952 GREEN ST HARRISBURG, PA 171101232 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.00% |
| COCORES CHRISTOPHER CHARLES3 | 5001 LOUISE DR STE 300 MECHANICSBURG, PA 170556912 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| ST JEAN RICHARD A JR.3 | 101 FEDERAL ST STE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| SCHANTZ WILLIAM E II3 | 100 GATEWAY DR STE 300 BETHLEHEM, PA 180179431 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| SPIES JAMES L III3 | 11350 MCCORMICK RD EP IV 200 HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| DOBBIE MATTHEW JAMES3 | 4830 ARDMORE DR BLOOMFIELD TWNSHIP, MI 483022400 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MALLEE JOSEPH P3 | 3701 CORPORATE PKWY STE 320 CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| SPARACIO JOSEPH F3 | 9830 E GRANITE PEAK TRL SCOTTSDALE, AZ 852623142 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| POPULYTICS, INC.3 | PO BOX 1830 ALLENTOWN, PA 18105 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $45K | — | $45K | 7.03% |
| DAVID BLAKE3 | 111 BROOK ST 3RD FLOOR SCARSDALE, NY 10583 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 9.39% |
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE COMPANY INC. | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.15% |
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 | 12,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 14,951 | $6.0M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 14,951 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,951 | — |
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."
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.