| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $45K | $473K | $518K | 6.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $309K | $309K | 3.63% |
| VIZIENT INSURANCE SERVICES LLC3 | P.O. BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $129K | $6K | $135K | 50.11% |
| BUCHHOLZ PLANNING CORPORATION3 | P.O. BOX 4134 CLINTON, IA 527334134 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.37% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE & FINANCIAL SERVICES | 21820 BURBANK BLVD STE 301 WOODLAND HILLS, CA 913676467 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.58% |
| ANDREW MOORE3 | 2000 S COLORADO BLVD STE 800 DENVER, CO 802227952 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $602 | — | $602 | 0.25% |
| TIMOTHY W POWERS3 | 1810 CHADSWORTH DR SUN PRAIRIE, WI 535903554 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $518 | — | $518 | 0.21% |
| JEFFREY CARL DOLLARHIDE3 | 6263 N SCOTTSDALE RD STE 140 SCOTTSDALE, AZ 852505411 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $296 | $101 | $397 | 0.16% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C FLANAGAN | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $270 | — | $270 | 0.11% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C BURNHAM | 1629 N GOLF GLN UNIT F MADISON, WI 537047075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $153 | — | $153 | 0.06% |
| GREGORY A MCROBERTS3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 462403876 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $54 | $94 | $148 | 0.06% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | NORTH TOWER 525 JUNCTION RD STE 1800 MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $127 | — | $127 | 0.05% |
| THOMAS FREDERICK SCHWARTZ3 | 743 BUCKS HILL RD SOUTHBURY, CT 064881986 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $71 | — | $71 | 0.03% |
| KEVIN P MULLANE3 | 8814 NELSON XING VERONA, WI 535937926 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $42 | — | $42 | 0.02% |
| WILLIAM M BUCHHOLZ3 | PO BOX 4134 CLINTON, IA 527334134 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M MCGRATH | 2531 LANDMARK DR STE 204 CLEARWATER, FL 33761 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| PHIL E TISUE3 | 1937 CHISWICK RD KNOXVILLE, TN 379228544 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| JOSHUA ANDREW MICELI3 | 6263 N SCOTTSDALE RD STE 140 SCOTTSDALE, AZ 852505411 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 16.56% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.78% |
| BUCHHOLZ PLANNING CORPORATION3 | P.O. BOX 4134 CLINTON, IA 527334134 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $341 | — | $341 | 4.19% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INS & FINANCIAL SERVICES INC | 21820 BURBANK BLVD STE 301 WOODLAND HILLS, CA 913676476 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $106 | — | $106 | 1.30% |
| TIMOTHY W POWERS3 | 1810 CHADSWORTH DR SUN PRAIRIE, WI 535903554 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.32% |
| JEFFREY CARL DOLLARHIDE3 | 6263 N SCOTTSDALE RD STE 140 SCOTTSDALE, AZ 852505411 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21 | — | $21 | 0.26% |
| RANDALL J LOGAN3 | NORTH TOWER 525 JUNCTION RD STE 1800 MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18 | — | $18 | 0.22% |
| THOMAS FREDERICK SCHWARTZ3 | 743 BUCKS HILL RD SOUTHBURY, CT 064881986 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
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 | 4,443 | 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) | 4,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,902 | $8.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,902 | $8.5M |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,902 | $8.8M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,902 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,902 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.