| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | — | HARTFORD LIFE AND ACCIDENT | $2K | $329K | $331K | 5.36% |
| VIZIENT INSURANCE SERVICES LLC3 | — | HARTFORD LIFE AND ACCIDENT | $47K | $174K | $221K | 3.58% |
| BUCHHOLZ PLANNING CORPORATION3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $28K | — | $28K | 7.89% |
| TIMOTHY W POWERS3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 2.29% |
| THOMAS FREDERICK SCHWARTZ3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.23% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE & FINANCIAL SERVICES | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $669 | $4K | 1.19% |
| JEFFREY CARL DOLLARHIDE3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $421 | $3K | $3K | 0.91% |
| KEVIN P MULLANE3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $537 | — | $537 | 0.15% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY MCROBERTS | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $426 | $426 | 0.12% |
| WILLIAM M BUCHHOLZ3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $342 | $9 | $351 | 0.10% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $264 | — | $264 | 0.08% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C BURNHAM | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $264 | — | $264 | 0.08% |
| JACK ALLEN NORRIS3 Filed as: JACK R KAPINUS | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $66 | — | $66 | 0.02% |
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 | 3,974 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,974 | $6.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,974 | $6.2M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,974 | $6.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,974 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,974 | — |
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.