| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | HARTFORD LIFE AND ACCIDENT | $155K | — | $155K | 9.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $54K | $24K | $78K | 5.56% |
| 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 | $112K | — | $112K | 8.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 7 HANOVER SQ., FL. 11 NEW YORK, NY 10004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $57K | — | $57K | 4.34% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVE, STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | $21K | $32K | 2.45% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR., STE 200 CAMDEN, NJ 08103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | 1.26% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 734 LONGMEADOW ST, NO. 312 LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 0.96% |
| HARRIS S. FISHMAN3 | 1000 CORPORATE DR. SUITE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $463 | $7K | 0.55% |
| ANTHONY SPATICHIA3 | 2 BALA PLZ., STE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $10 | $10 | 0.00% |
| 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 | 2.49% |
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 | 1,896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 3,078 | $1.4M |
| Vision | VISION BENEFITS OF AMERICA | 1,243 | $89K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,030 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,030 | $2.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,030 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,078 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.