| 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. | $128K | — | $128K | 8.25% |
| 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 | $195K | — | $195K | 15.11% |
| NAUGHTON BRENDAN C3 Filed as: NAUGHTON BRENDAN C. | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $24K | $34K | 2.64% |
| NOVAK PETER S3 Filed as: NOVAK PETER S. | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | $8K | $31K | 2.37% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR., STE 200 CAMDEN, NJ 08103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | — | $23K | 1.75% |
| FISHMAN HARRIS S3 Filed as: FISHMAN HARRIS S. | 2 BALA PLZ., STE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $116 | $9K | 0.69% |
| FISHMAN HARRIS S3 Filed as: FISHMAN HARRIS S. | 4905 TILGHMAN ST, STE 200 ALLENTOWN, PA 18104 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY ST NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $48K | — | $48K | 3.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 225 BROADHOLLOW ROAD SUITE 300 MELVILLE, NY 11747 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 1.63% |
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 | 1,804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 2,549 | $1.2M |
| Vision | VISION BENEFITS OF AMERICA | 1,188 | $76K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,653 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,653 | $2.8M |
| Other | AETNA LIFE INSURANCE CO. | 1,653 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,549 | — |
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.