| 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 | — | $339K | $339K | 4.93% |
| POPULYTICS, INC.3 Filed as: POPULYTICS, INC | PO BOX 1830 ALLENTOWN, PA 18105 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $189K | — | $189K | 2.75% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $161K | $135K | $295K | 18.92% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31K | $86K | $117K | 7.53% |
| DAVID CORY BLAKE3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $10K | $12K | 0.78% |
| NICOLE ELAINE WILLIAMS3 | 114 FOXSHIRE DR LANCASTER, PA 176013982 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $78 | $3K | $4K | 0.23% |
| WALTER W WOLAK3 | 220 GIBRALTAR RD STE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.08% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.07% |
| ANDREW S WARNER3 | 5828 OLD BETHLEHEM PIKE CENTER VALLEY, PA 180349484 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $873 | — | $873 | 0.06% |
| JOSEPH P MALLEE3 | 3701 CORPORATE PKWY STE 320 CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $783 | $783 | 0.05% |
| WALTER W WOLAK3 Filed as: WALTER J ROLAND | STE 320 3701 CORPORATE PKWY CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $110 | $273 | $383 | 0.02% |
| SALVADORE R SALVO3 | 4 CAMPUS DR PARSIPPANY, NJ 07054 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $166 | — | $166 | 0.01% |
| EDWARD IRA WIGHT3 | EXEC PLAZA IV 200 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $80 | — | $80 | 0.01% |
| BRIAN W MARTIN3 | EXECUTIVE PLAZA IV 200 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $80 | — | $80 | 0.01% |
| JAMES K BIGGAR3 Filed as: JAMES L SPIES | 11350 MCCORMICK RD EP IV 200 HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61 | — | $61 | 0.00% |
| WILLIAM EDWARD THOMPSON II3 Filed as: WILLIAM EDWARD THOMPSON | EXECTUIVE PLAZA IV 200 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $28 | $6 | $34 | 0.00% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER CHARLES COCORES | 5001 LOUISE DR STE 300 MECHANICSBURG, PA 170556912 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| MATTHEW JAMES DOBBIE3 | 3000 TOWN CTR STE 3100 SOUTHFIELD, MI 480751216 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WALTER W WOLAK3 | 220 GIBRALTAR RD STE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| POPULYTICS, INC.3 | PO BOX 1830 ALLENTOWN, PA 181051830 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $45K | — | $45K | 6.43% |
| DAVID BLAKE3 | 500 MAMARONECK AVE STE #408 ARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 5.00% |
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 | 15,241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 209 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,450 | 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 | 16,695 | $7.6M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 16,695 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,695 | — |
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.