| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.33% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLOIS, IN 45208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $533 | $533 | 0.08% |
| MICHAEL A BOOK3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22K | $38K | $60K | 12.10% |
| ROBERT E. MUZIKOWSKI3 Filed as: ROBERT PYKOSZ | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $38K | $2K | $41K | 8.19% |
| GREGORY KARL LARGE3 | 281 TRESSER BOULEVARD SUITE 1004 STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20K | $2K | $21K | 4.27% |
| RICHARD PIERCE VANBENSCHOTEN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.57% |
| JARAD PLUMMER3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $145 | $3K | 0.55% |
| JOSHUA T LIEBERMAN3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $153 | $2K | 0.49% |
| JENNIFER PAIGE MANN3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $969 | $25 | $994 | 0.20% |
| MICHAEL A BOOK3 Filed as: MICHAEL RITZ | 90 PARK AVENUE FLOOR 18 NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $465 | $31 | $496 | 0.10% |
| PETE BOUROS3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $440 | $32 | $472 | 0.10% |
| CALVIN E CHUNG3 | 973 WILLOW ROAD WINNETKA, IL 600933634 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $238 | $1 | $239 | 0.05% |
| PATRICK R JARVIS3 | 2511 N GRADY AVENUE UNIT 87 TAMPA, FL 336072692 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $185 | — | $185 | 0.04% |
| RICARDO M ALFONSO3 | 2100 PONCE DE LEON BLVD SUITE 600 CORAL GABLES, FL 331345215 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $143 | — | $143 | 0.03% |
| STEVEN D RANDALL3 | 2 STAMFORD PLAZA SUITE 1004 281 TRESSER BOULEVARD STAMFORD, CT 069013263 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $58 | $58 | 0.01% |
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 | 2,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,254 | $1.1M |
| Vision | VISION SERVICE PLAN | 2,003 | $222K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,294 | $649K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,294 | $649K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,294 | $1.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,294 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,294 | — |
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.