| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $5K | $40K | 22.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.48% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.39% |
| MJ INSURANCE3 Filed as: RICHARD SAENZ AND VARIOUS AGENTS | 109 BOSTON POST ROAD, SUITE 6 ORANGE, CT 06477 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $753 | $0 | $753 | 2.63% |
| IRMA ENCISCO ALTAMIRANO3 Filed as: IRMA ENSCISO ALTAMIRANO | 115 MALTBY STREET SHELTON, CT 06484 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $694 | $0 | $694 | 2.42% |
| JACQUELINE ROTH3 Filed as: JACQUELINE G. ROTH | 1600 GRAND AVENUE, APARTMENT Q2 NORTH BALDWIN, NY 11510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $608 | $0 | $608 | 2.12% |
| RICHARD A ST JEAN3 Filed as: RICHARD A. ST. JEAN | 101 FEDERAL STREET, SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $405 | $131 | $536 | 1.87% |
| LESLYE JOHANNA MANZANO GIRON3 | 3300 NORTH SCOTTSDALE ROAD APARTMENT 4020 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $470 | $0 | $470 | 1.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.63% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 6 AND 7 ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $651 | $0 | $651 | 2.41% |
| JACQUELINE ROTH3 Filed as: JACQUELINE G. ROTH AND OTHER AGENTS | 1600 GRAND AVENUE, APARTMENT Q2 NORTH BALDWIN, NY 11510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $645 | $0 | $645 | 2.38% |
| RICHARD SAENZ3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | $0 | $355 | 1.31% |
| IRMA E. ALTAMIRANO3 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | $0 | $161 | 0.59% |
| KENNETH C GRAVELINE3 Filed as: KENNETH C. GRAVELINE | 20 CORRINE STREET PROSPECT, CT 06712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.44% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 0.40% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $175K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $175K |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 42 | $29K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 224 | $27K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 360 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.