| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZIENT INSURANCE SERVICES LLC3 | — | HARTFORD LIFE AND ACCIDENT | $39K | $253K | $292K | 4.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | — | HARTFORD LIFE AND ACCIDENT | -$44 | $225K | $225K | 3.38% |
| BUCHHOLZ PLANNING CORPORATION3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | — | $23K | 7.03% |
| TIMOTHY W POWERS3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.54% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE & FINANCIAL SERVICES | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.51% |
| JEFFREY CARL DOLLARHIDE3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $268 | $1K | 0.43% |
| THOMAS FREDERICK SCHWARTZ3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $693 | — | $693 | 0.21% |
| KEVIN P MULLANE3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $442 | — | $442 | 0.13% |
| GREGORY A MCROBERTS3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $318 | $318 | 0.10% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $231 | — | $231 | 0.07% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C BURNHAM | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $200 | — | $200 | 0.06% |
| WILLIAM M BUCHHOLZ3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $124 | — | $124 | 0.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M MCGRATH | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| PHIL E TISUE3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 50.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | — | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 28.00% |
| BUCHHOLZ PLANNING CORPORATION3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $564 | — | $564 | 4.98% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE & FINANCIAL SERVICES | INC 21820 BURBANK BLVD STE 301 WOODLAND HILLS, CA 913676476 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $149 | — | $149 | 1.31% |
| TIMOTHY W POWERS3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $143 | — | $143 | 1.26% |
| JEFFREY CARL DOLLARHIDE3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $119 | $10 | $129 | 1.14% |
| THOMAS FREDERICK SCHWARTZ3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $73 | — | $73 | 0.64% |
| RANDALL J LOGAN3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $67 | — | $67 | 0.59% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C BURNHAM | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.09% |
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 | 3,954 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,954 | $6.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,954 | $6.7M |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,954 | $7.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,954 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,954 | — |
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."
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.
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.