| 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 | — | $281K | $281K | 3.99% |
| POPULYTICS, INC.3 Filed as: POPULYTICS INC | PO BOX 1830 ALLENTOWN, PA 18105 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $197K | — | $197K | 2.80% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $218K | — | $218K | 14.50% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $36K | $74K | $110K | 7.29% |
| DAVID CORY BLAKE3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 105281649 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $2K | — | $2K | 0.14% |
| WILLIAM F SALMON3 Filed as: WILLIAM E SCHANTZ | 4208 SIX FORKS RD STE 1700 RALEIGH, NC 276095734 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $209 | — | $209 | 0.01% |
| SALVADORE R SALVO3 | 4 CAMPUS DRIVE PARSNIPPANY, NJ 070544405 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $166 | — | $166 | 0.01% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $144 | — | $144 | 0.01% |
| WALTER W WOLAK3 Filed as: WALTER J ROLAND | STE 320 3701 CORPORATE PKWY CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $91 | $2 | $93 | 0.01% |
| WALTER W WOLAK3 | STE 320 3701 CORPORATE PKWY CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL LIFE INSURNACE COMPANY | $2 | — | $2 | 0.00% |
| POPULYTICS, INC.3 | PO BOX 1830 ALLENTOWN, PA 18105 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $40K | — | $40K | 7.18% |
| DAVID BLAKE3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE AGENCY INC | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.79% |
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 | 16,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 16,347 | 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 | 16,837 | $7.6M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 16,837 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,837 | — |
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.