| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 2.31% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $10K | $61K | 7.35% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $45K | $77K | $122K | 19.31% |
| GREGORY KARL LARGE3 | 281 TRESSER BLVD STE 1004 STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $37K | $3K | $40K | 6.35% |
| MATTHEW SENDACH3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | $1K | $18K | 2.77% |
| BRIAN KAPLAN3 Filed as: BRIAN C LARGE | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | $1K | $17K | 2.70% |
| ARI GREENMAN3 | STE 1004 281 TRESSER BLVD STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $442 | $5K | 0.86% |
| TODD HUNTER PARKER3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $283 | $4K | 0.60% |
| STEFAN ERICH GREENBERG3 | 281 TRESSER BLVD STE 1004 STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $361 | $4K | 0.58% |
| ZACHARY KRIFTCHER3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $200 | $3K | 0.53% |
| FREDERICK BERNARD DENITZ3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $265 | $3K | 0.53% |
| GAVRIEL C EPSTEIN3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $286 | $3K | 0.50% |
| DARREN MARC GERSTENBLATT3 | FL 18 90 PARK AVE NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $254 | $3K | 0.45% |
| BENJAMIN A KLEINSCHMIDT3 | FL 18 90 PARK AVE NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $197 | $3K | 0.41% |
| PETER H DODD3 Filed as: PETER D SLESINSKI | 281 TRESSER BLVD STE 1004 STAMFORD, CT 06901 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $163 | $3K | 0.41% |
| MARY JANE SCHROEDER3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $162 | $2K | 0.33% |
| VINCENT TRIMARCO3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $116 | $2K | 0.28% |
| JOSHUA T LIEBERMAN3 | STE 3330 1 N FRANKLIN ST CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $61 | $2K | 0.24% |
| BRIAN KAPLAN3 Filed as: BRIAN BOOK | 90 PARK AVE FL 18 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $43 | $1K | 0.22% |
| JARAD PLUMMER3 | 1 N FRANKLIN ST STE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $97 | $1K | 0.22% |
| ANDREW L MOORE3 | 1700 S PAVILION CENTER DR STE 320 LAS VEGAS, NV 891351862 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $421 | $880 | $1K | 0.21% |
| CHASE BENJAMIN GOLOMB3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $58 | $1K | 0.20% |
| BRIAN KAPLAN3 Filed as: BRIAN BULGER | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $819 | $44 | $863 | 0.14% |
| ROBERT J SEGALL3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $783 | $8 | $791 | 0.13% |
| JARED MILTON FUNK3 | LENOX ADVISORS 1N FRANKLIN ST STE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $690 | $15 | $705 | 0.11% |
| FREDERICK BERNARD DENITZ3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $568 | $49 | $617 | 0.10% |
| LLOYD POLMATEER3 Filed as: LLOYD H POLMATEER | STE 1200 7101 WISCONSIN AVE BETHESDA, MD 208144884 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $600 | — | $600 | 0.09% |
| DAVID ANDREW SUZZAN3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $491 | $49 | $540 | 0.09% |
| EDGAR F WHITMORE3 | STE 4200 444 S FLOWER ST LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $502 | $7 | $509 | 0.08% |
| JENNIFER PAIGE MANN3 | STE 3330 1 N FRANKLIN ST CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $434 | $6 | $440 | 0.07% |
| BRENDAN J KENNY3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $396 | — | $396 | 0.06% |
| GIL ELMALEH3 | 1182 WILLOW LAWN DR RICHMOND, VA 232261531 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $392 | — | $392 | 0.06% |
| BRITT A SZOSTAK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $241 | — | $241 | 0.04% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $167 | $167 | 0.03% |
| NOAH WILLS3 | STE 215 2600 N MILITARY TRL BOCA RATON, FL 334316796 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $133 | — | $133 | 0.02% |
| JOHN J MILLER3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $110 | — | $110 | 0.02% |
| PAUL DAVID FERRANTE3 | 90 PARK AVE FL 19 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $93 | — | $93 | 0.01% |
| EDGAR F WHITMORE3 | STE 4200 444 S FLOWER ST LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $92 | — | $92 | 0.01% |
| BRETT NORTON3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $89 | — | $89 | 0.01% |
| MICHAEL A BOOK3 Filed as: MICHAEL GUNNAR MCLAUGHLIN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $56 | — | $56 | 0.01% |
| LINDSAY WOLFER3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $46 | $46 | 0.01% |
| GREGORY LARGE3 Filed as: GREGORY JOHN SULLIVAN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| JOSEPH VINCENT GUEVARA3 | 1103 CARDIGAN CT WALNUT CREEK, CA 945966440 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| GREGORY LARGE3 Filed as: GREGORY LOUIS OLSEN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $30 | — | $30 | 0.00% |
| MICHAEL A BOOK3 Filed as: MICHAEL BOOK | 530 5TH AVE FL 11 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| VICTOR B GOLDMAN3 | STE 4000 4900 N SCOTTSDALE RD SCOTTSDALE, AZ 852512073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.00% |
| DANIEL OH3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 90071 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| MICHAEL A BOOK3 Filed as: MICHAEL GIRASOLE | FL 18 90 PARK AVE NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $10 | $10 | 0.00% |
| DANIEL OH3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 90071 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $4K | $53K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $4K | $14K | 4.49% |
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 | 1,457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $870K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $870K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,924 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,924 | $1.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,738 | $2.2M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,924 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,924 | — |
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.
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.