| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER J LEBLANC3 Filed as: PETER LEBLANC | 8000 MARYLAND AVE STE 330 ST. LOUIS, MO 63105 | MASS MUTUAL LIFE INSURANCE CO. | $310 | — | $310 | — |
| PETER J LEBLANC3 Filed as: PETER LEBLANC | 8000 MARYLAND AVE STE 330 ST. LOUIS, MO 63105 | MASS MUTUAL LIFE INSURANCE CO. | $216 | — | $216 | — |
| JAMES M VANEPEREN3 Filed as: JAMES MICHAEL VANEPEREN | 6500 ROCK SPRING DR, STE 400 BETHESDA, MD 20817 | MASS MUTUAL LIFE INSURANCE CO. | $10 | — | $10 | — |
| MICHAEL A BOOK3 | 530 5TH AVE FL 11 NEW YORK, NY 10036 | MASS MUTUAL LIFE INSURANCE CO. | $0 | — | $0 | — |
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 | 82 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASS MUTUAL LIFE INSURANCE CO. | 9 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.