| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $136K | — | $136K | 9.14% |
| 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 | $224K | — | $224K | 17.89% |
| NOVAK PETER S3 Filed as: NOVAK PETER S. | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18K | $53K | $71K | 5.63% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIR., STE 100 MOUNT LAUREL, NJ 08054 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25K | — | $25K | 2.02% |
| NOVAK PETER3 | 24 CENTURY HILL DR LATHAM, NY 12110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.12% |
| FISHMAN HARRIS S3 Filed as: FISHMAN HARRIS S. | 2 BALA PLZ., STE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $886 | $10K | 0.80% |
| NAUGHTON BRENDAN C3 Filed as: NAUGHTON BRENDAN C. | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $44K | $11K | $55K | 4.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 225 BROADHOLLOW ROAD SUITE 300 MELVILLE, NY 11747 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 2.72% |
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 | 1,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 2,438 | $1.1M |
| Vision | VISION BENEFITS OF AMERICA | 986 | $69K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,629 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,629 | $2.7M |
| Other | AETNA LIFE INSURANCE CO. | 1,629 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,438 | — |
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.