| 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 | — | $326K | $326K | 5.25% |
| POPULYTICS, INC.3 | PO BOX 1830 ALLENTOWN, PA 18105 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $160K | — | $160K | 2.58% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $145K | $60K | $205K | 16.38% |
| BOOK MICHAEL A3 | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $27K | $32K | $59K | 4.71% |
| BLAKE DAVID CORY3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $2K | $880 | $3K | 0.25% |
| COWAN HOWARD B3 | 530 5TH AVE FL 14 NEW YORK, NY 100365112 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| WILLIAMS NICOLE ELAINE3 | 5001 LOUISE DR STE 300 MECHANICSBURG, PA 170556912 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $46 | $585 | $631 | 0.05% |
| ROLAND WALTER J3 | 3701 CORPORATE PKWY CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $102 | $3 | $105 | 0.01% |
| MARTIN BRIAN W3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $77 | $2 | $79 | 0.01% |
| WIGHT EDWARD IRA JR.3 Filed as: WIGHT EDWARD IRA JR | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $77 | $1 | $78 | 0.01% |
| SPIES JAMES L III3 | 11350 MCCORMICK RD EP IV 200 HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $43 | $0 | $43 | 0.00% |
| WATTERS JOHN N JR.3 | 5828 OLD BETHLEHEM PIKE CENTER VALLEY, PA 180349484 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| THOMPSON WILLIAM EDWARD II3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $20 | $7 | $27 | 0.00% |
| WOLAK WALTER W JR. | 220 GIBRALTAR RD STE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $0 | $14 | $14 | 0.00% |
| SCHANTZ WILLIAM E II3 | 100 GATEWAY DR STE 300 BETHLEHEM, PA 180179431 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| DOBBIE MATTHEW JAMES3 | 4830 ARDMORE DR BLOOMFIELD TWNSHIP, MI 483022400 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| COCORES CHRISTOPHER CHARLES3 | 5001 LOUISE DR STE 300 MECHANICSBURG, PA 170556912 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| MALLEE JOSEPH P3 | 3701 CORPORATE PKWY STE 320 CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| WOLAK WALTER W JR.3 Filed as: WOLAK WALTER W JR | 220 GIBRALTAR RD STE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MICHAEL A BOOK3 Filed as: MICHAEL BOOK | 530 5TH AVE FL 11 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HAROLD ALBAUM AGCY INC3 | 8170 BEVERLY BLVD LOS ANGELES, CA 900484524 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| POPULYTICS, INC.3 | PO BOX 1830 ALLENTOWN, PA 181051830 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $43K | — | $43K | 6.47% |
| DAVID BLAKE3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 4.57% |
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE AGENCY INC | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.21% |
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 | 13,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,397 | 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 | 16,226 | $6.9M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 16,226 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,226 | — |
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.