| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $24K | $24K | 2.31% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $21K | $21K | 2.06% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 600 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 5.07% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $515 | $515 | 0.09% |
| MICHAEL A BOOK3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | $31K | $39K | 17.57% |
| ROBERT E. MUZIKOWSKI3 Filed as: ROBERT PYKOSZ | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32K | $2K | $34K | 15.54% |
| GREGORY KARL LARGE3 | 281 TRESSER BOULEVARD SUITE 1004 STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | $9K | $25K | 11.19% |
| RICHARD PIERCE VANBENSCHOTEN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.58% |
| JOSHUA T LIEBERMAN3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $166 | $2K | 1.06% |
| PETE BOUROS3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IA 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $933 | $80 | $1K | 0.46% |
| JENNIFER PAIGE MANN3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $511 | $23 | $534 | 0.24% |
| MICHAEL A BOOK3 Filed as: MICHAEL RITZ | 90 PARK AVENUE FLOOR 18 NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $398 | $29 | $427 | 0.19% |
| JARAD PLUMMER3 | 1 N FRANKLIN STREET SUITE 3330 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $376 | — | $376 | 0.17% |
| CALVIN E CHUNG3 | 973 WILLOW ROAD WINNETKA, IL 600933634 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $211 | $19 | $230 | 0.10% |
| RICARDO M ALFONSO3 | 2100 PONCE DE LEON BLVD SUITE 600 CORAL GABLES, FL 331345215 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $211 | — | $211 | 0.10% |
| PATRICK R JARVIS3 Filed as: PATRICK R JARAVIS | 3550 LENOX ROAD NE SUITE 1100 ATLANTA, GA 303264294 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $84 | — | $84 | 0.04% |
| CHARLES A CUNNINGHAM3 | 240 SUNSET ROAD WEST PALM BEACH, FL 334018040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| PATRICK R JARVIS3 | 3550 LENOX ROAD NE SUITE 1100 ATLANTA, GA 303264294 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21 | — | $21 | 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 | 2,759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,820 | $1.0M |
| Vision | VISION SERVICE PLAN | 1,932 | $231K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,792 | $554K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,792 | $774K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,792 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,820 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.