| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $313K | $0 | $313K | 3.91% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $156K | $0 | $156K | 1.95% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 380 TORRANCE, CA 90503 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $142K | $0 | $142K | 12.28% |
| TIMOTHY C. FLANAGAN3 | 4350 CONGRESS STREET, SUITE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $33K | $83K | $116K | 10.04% |
| USI INSURANCE SERVICES LLC3 | 2 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 2.77% |
| DANIEL F MCCARTHY3 Filed as: DANIEL F. MCCARTHY | C/O CM SMITH FINANCIAL, INC. 100 PEARL STREET, 3RD FLOOR WEST HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $2K | $20K | 1.70% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $265 | $11K | $11K | 0.93% |
| MANUEL AMEZCUA3 | 3000 TOWN CENTER, SUITE 3100 SOUTHFIELD, MI 48075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $389 | $756 | $1K | 0.10% |
| SHELLEY M. FIORE AND OTHER AGENTS3 | 3000 TOWN CENTER, SUITE 3100 SOUTHFIELD, MI 48075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $54 | $255 | $309 | 0.03% |
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 | 11,782 | 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) | 11,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 32,393 | $8.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 32,393 | $8.0M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 32,393 | $9.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 32,393 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,393 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.