| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLOIS, IN 45208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $410 | $410 | 0.09% |
| MICHAEL A BOOK3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $76K | $81K | 35.60% |
| ROBERT E. MUZIKOWSKI3 Filed as: ROBERT PYKOSZ | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $59K | $5K | $63K | 27.68% |
| GREGORY KARL LARGE3 | 281 TRESSER BOULEVARD SUITE 1004 STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32K | $20K | $52K | 22.85% |
| JOSHUA T LIEBERMAN3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $348 | $5K | 2.15% |
| JARAD PLUMMER3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $211 | $4K | 1.55% |
| RICHARD PIERCE VANBENSCHOTEN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| JENNIFER PAIGE MANN3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $146 | $2K | 0.92% |
| PETE BOUROS3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $101 | $1K | 0.56% |
| CALVIN E CHUNG3 | 973 WILLOW ROAD WINNETKA, IL 600933634 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $100 | $1K | 0.54% |
| MICHAEL A BOOK3 Filed as: MICHAEL RITZ | 90 PARK AVENUE FLOOR 18 NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $705 | $52 | $757 | 0.33% |
| PATRICK R JARVIS3 | 3550 LENOX ROAD NE ATLANTA, GA 303264294 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $199 | — | $199 | 0.09% |
| RICARDO M ALFONSO3 | 2100 PONCE DE LEON BLVD SUITE 600 CORAL GABLES, FL 331345215 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $100 | — | $100 | 0.04% |
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 | 2,395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,820 | $823K |
| Vision | VISION SERVICE PLAN | 1,543 | $176K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,518 | $478K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,518 | $478K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,518 | $706K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,518 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,820 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.