| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $252K | $0 | $252K | 3.91% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $79K | $0 | $79K | 10.79% |
| TIMOTHY C. FLANAGAN3 | 4350 CONGRESS STREET, SUITE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22K | $51K | $74K | 10.14% |
| USI INSURANCE SERVICES LLC3 | 2 CONCOURSE PARKWAY, SUITE 700 ATLANTA, GA 30328 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 4.36% |
| DANIEL F MCCARTHY3 Filed as: DANIEL F. MCCARTHY | 100 PEARL STREET, 3RD FLOOR WEST HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $252 | $2K | 0.33% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $168 | $2K | $2K | 0.23% |
| MANUEL AMEZCUA3 | 3000 TOWN CENTER, SUITE 3100 SOUTHFIELD, MI 48075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $777 | $777 | 0.11% |
| SALVADORE R SALVO3 Filed as: SALVADORE R. SALVO AND OTHER AGENTS | 4 CAMPUS DRIVE PARSNIPPANY, NJ 07054 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $85 | $0 | $85 | 0.01% |
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 | 10,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 28,556 | $6.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 28,556 | $6.4M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 28,556 | $7.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 28,556 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,556 | — |
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.