| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $61K | $61K | 0.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 0.16% |
| 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 | $801 | — | $801 | 14.99% |
| 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 | 42 CORD GRASS COURT FERNANDINA BEACH, FL 320320058 | 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 | 22,351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 59 | $428K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY AMERICA | 26,627 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 23,946 | $8.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 23,946 | $8.5M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 23,946 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,627 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.