| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GATOR COMMUNICATIONS GROUP LLC3 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 070042327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $736 | $736 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | DELTA DENTAL OF NJ, INC. | $1K | — | $1K | 0.69% |
| BAXTER H MAFFETT3 | 100 PEARL ST 3RD FLR - WEST TOWER HARTFORD, CT 061034506 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 16.34% |
| PETER S NOVAK3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $5K | $6K | 15.61% |
| DANIEL F MCCARTHY3 | 100 PEARL ST FL 3 W TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $799 | $6K | 14.86% |
| BRENDAN C NAUGHTON3 | 501 MERRITT 75TH FL NORWALK, CT 068517002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $396 | — | $396 | 0.96% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $378 | $28 | $406 | 16.13% |
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 | 11,932 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 132 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 36 | $171K |
| Dental(4 contracts) | DELTA DENTAL OF NJ, INC. | 4,574 | $9.3M |
| Vision(4 contracts) | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 14,027 | $994K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 13,036 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 28,098 | $4.1M |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 13,036 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,098 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.