| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $145K | $145K | 1.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 0.21% |
| FARMINGTON COMPANY INS. SERVICES3 Filed as: FARMINGTON COMPANY (THE) | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET 3R FLOOR WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.00% |
| DANIEL F MCCARTHY3 Filed as: DANIEL F. MCCARTHY | 100 PEARL STREET FLOOR 3 WEST TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $176 | — | $176 | 7.50% |
| BAXTER H MAFFETT3 | 100 PEARL STREET FLOOR 3 WEST TOWER HARTFORD, CT 061034510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $176 | — | $176 | 7.50% |
| PETER S NOVAK3 | 734 LONGMEADOW STREET #312 LONGMEADOW, MA 011062245 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $33 | — | $33 | 1.41% |
| BRENDON C NAUGHTON3 | 330 WHITNEY AVEUNE SUITE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18 | — | $18 | 0.77% |
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 | 21,731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 289 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 56 | $399K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | 25,645 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 28,160 | $7.9M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 28,160 | $7.9M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 28,160 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,160 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.