| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, 14TH FLOOR CHARLOTTE, NC 28210 | HARTFORD LIFE AND ACCIDENT | $215K | $0 | $215K | 4.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 0.48% |
| TIMOTHY C. FLANAGAN3 | 4350 CONGRESS STREET, SUITE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $68K | $77K | 16.78% |
| USI INSURANCE SERVICES LLC3 | 2 CONCOURSE PARKWAY, SUITE 700 ATLANTA, GA 30328 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 8.46% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 8.10% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH FINANCIAL, INC. | 100 PEARL STREET, 3RD FLOOR WEST HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $8K | $9K | 2.05% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9 | $1K | $1K | 0.31% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 734 LONGMEADOW STREET, SUITE 312 LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.00% |
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 | 7,733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,733 | $4.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,733 | $4.7M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,733 | $5.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 11,767 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,767 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.