| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROMAN A. MATUSZ3 | 6 PPG PLACE, SUITE 600 PITTSBURGH, PA 152225406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $173 | — | $173 | 0.83% |
| F. JAMES GINNANE3 | 300 CORPORATE PARKWAY, SUITE 210N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $125 | — | $125 | 0.60% |
| DAVID C PORTER3 | 1600 1 MARINA PARK DR BOSTON, MA 022101832 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $111 | — | $111 | 0.53% |
| BRIAN ROBERTS3 Filed as: BRIAN M ROBERTS | 16150 MAIN CIRCLE DR STE 400 CHESTERFIELD, MO 630174689 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $87 | — | $87 | 0.42% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE, FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.12% |
| JEREMY M. STRAUB3 | 1000 CORPORATE DRIVE, SUITE 700 FORT LAUDERDALE, FL 333343638 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.12% |
| STEPHEN L GROSSMAN3 Filed as: STEPHEN L. GROSSMAN | ONE PENN PLAZA, SUITE 2035 NEW YORK, NY 101190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.12% |
| WALTER W WOLAK3 Filed as: WALTER W. WOLAK | 220 GIBRALTAR ROAD, SUITE 350 HORSHAM, PA 190442341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.10% |
| JON ALAN HENDERSON3 | 6 PPG PLACE, SUITE 600 PITTSBURGH, PA 152225406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| ROBERT TIMOTHY SINKS3 | 12 CADILLAC DRIVE, SUITE 440 BRENTWOOD, TN 370275272 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| SCOTT ALAN STILLMAN3 | 4600 S. ULSTER STREET, SUITE 1200 DENVER, CO 802372898 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| JOSEPH P. MICHAEL3 | 100 CORPORATE PKWY, SUITE 3 AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| SCOTT GREENFIELD3 | 3550 LENOX ROAD NE, SUITE 1100 ATLANTA, GA 303264294 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THOMAS R. ZUGGER3 | 37 FRANKLIN STREET, SUITE 600 BUFFALO, NY 14202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY P. RANFTLE | 1393 VETERENS MEMORIAL HGHY HAUPPAUGE, NY 117883070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GREGORY A. BLUM3 | 6800 JERICHO TURNPIKE #2002W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 CONTRACT ADMINISTRATOR | Contract Administrator; Participant loan processing; Recordkeeping fees; Direct payment from the plan Service code 13 | 711 HIGH STREET DES MOINES, IA 50392 | $122K |
| GALLAGHER FIDUCIARY ADVISORS EIN 36-4291971 CONSULTANT | Consulting (general); Other fees Service code 16 | — | $19K |
| SCHNEIDER DOWNS & CO., INC. EIN 25-1408703 PLAN AUDITOR | Accounting (including auditing); Other fees Service code 10 | ONE PPG PLACE, SUITE 1700 PITTSBURGH, PA 15222 | $12K |
| MORNINGSTAR INVESTMENT MANAGMENT EIN 36-4317381 INVESTMENT ADVISOR | Consulting fees; Investment advisory (participants) Service code 26 | — | $0 |
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 | 1,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 163 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 97 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.