| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 7TH FL NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | $163K | — | $163K | 6.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S. FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $36K | $36K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 N WARNER RD STE 300 KING OF PRUSSIA, PA 19406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $284K | — | $284K | 18.45% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | $47K | $67K | 4.34% |
| BRAD SOMMA3 | 48 S SERVICE RD STE 400 MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | — | $11K | 0.72% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 42 CORD GRASS CT FERNANDINA BEACH, FL 32034 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.30% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| HARRIS S. FISHMAN3 | 1000 CORPORATE DR. STE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $52K | — | $52K | 3.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $10K | — | $10K | 2.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 1.54% |
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 | 1,971 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 35 | $353K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,127 | $1.4M |
| Vision | VISION BENEFITS OF AMERICA | 1,463 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,097 | $2.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,097 | $4.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 35 | $353K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,097 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,127 | — |
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.