| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F. JAMES GINNANE3 | 300 CORPORATE PARKWAY, SUITE 210N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $119 | — | $119 | 0.58% |
| DAVID C PORTER3 | 1600 1 MARINA PARK DR BOSTON, MA 022101832 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $112 | — | $112 | 0.54% |
| ROMAN A. MATUSZ3 | 6 PPG PLACE, SUITE 600 PITTSBURGH, PA 152225406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $81 | — | $81 | 0.39% |
| BRIAN ROBERTS3 Filed as: BRIAN M ROBERTS | 16150 MAIN CIRCLE DR STE 400 CHESTERFIELD, MO 630174689 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $45 | — | $45 | 0.22% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE, FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| STEPHEN L GROSSMAN3 Filed as: STEPHEN L. GROSSMAN | ONE PENN PLAZA, SUITE 2035 NEW YORK, NY 101190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.13% |
| WALTER W WOLAK3 Filed as: WALTER W. WOLAK | 220 GIBRALTAR ROAD, SUITE 350 HORSHAM, PA 190442341 | 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 | $20 | — | $20 | 0.10% |
| JOSEPH P. MICHAEL3 | 100 CORPORATE PKWY, SUITE 3 AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| SCOTT GREENFIELD3 | 3550 LENOX ROAD NE, SUITE 1100 ATLANTA, GA 303264294 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SCOTT ALAN STILLMAN3 | 4600 S. ULSTER STREET, SUITE 1200 DENVER, CO 802372898 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 CONTRACT ADMINISTRATOR | Direct payment from the plan; Recordkeeping fees; Contract Administrator; Participant loan processing Service code 13 | 711 HIGH STREET DES MOINES, IA 50392 | $132K |
| GALLAGHER FIDUCIARY ADVISORS EIN 36-4291971 CONSULTANT | Other fees; Consulting (general) Service code 16 | — | $16K |
| SCHNEIDER DOWNS & CO., INC. EIN 25-1408703 PLAN AUDITOR | Other fees; Accounting (including auditing) Service code 10 | ONE PPG PLACE, SUITE 1700 PITTSBURGH, PA 15222 | $15K |
| 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 | 930 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 168 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 78 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.