| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL F MCCARTHY3 | 100 PEARL ST FL 3 W TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $995 | $6K | 14.85% |
| PETER S NOVAK3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $4K | $6K | 13.55% |
| BAXTER H MAFFETT3 | 100 PEARL ST 3RD FLR - WEST TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 13.29% |
| KYLE P KUMMER3 Filed as: KYLE P. KUMMER | 100 PEARL ST FL 3 HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $398 | $2K | 4.21% |
| PETER NOVAK3 | 24 CENTURY HILL DR LATHAM, NY 121102133 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.55% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $536 | — | $536 | 1.31% |
| 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 | $938 | — | $938 | 15.01% |
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 | 11,389 | 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) | 11,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 46 | $186K |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 15,566 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 15,530 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,967 | $3.7M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 15,530 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,566 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.