| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $93K | — | $93K | 8.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 7 HANOVER SQ., FL. 11 NEW YORK, NY 10004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $151K | — | $151K | 14.33% |
| NOVAK PETER S3 Filed as: NOVAK PETER S. | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $40K | $57K | 5.40% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIR., STE 100 MOUNT LAUREL, NJ 08054 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $54K | — | $54K | 5.08% |
| FISHMAN HARRIS S3 Filed as: FISHMAN HARRIS S. | 2 BALA PLZ., STE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | $632 | $8K | 0.79% |
| NAUGHTON BRENDAN C3 Filed as: NAUGHTON BRENDAN C. | 501 MERRITT 7, 5TH FL. NORWALK, CT 06851 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 3.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 3.11% |
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 | 1,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 2,141 | $955K |
| Vision | VISION BENEFITS OF AMERICA | 805 | $57K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,268 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,268 | $2.1M |
| Other | AETNA LIFE INSURANCE CO. | 1,268 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,141 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.