| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $9K | $54K | 7.46% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $41K | $84K | $125K | 17.36% |
| GREGORY KARL LARGE3 | 281 TRESSER BLVD STE 1004 STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31K | $2K | $32K | 4.51% |
| BRIAN KAPLAN3 Filed as: BRIAN C LARGE | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14K | $3K | $17K | 2.34% |
| MATTHEW SENDACH3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 2.10% |
| BENJAMIN A KLEINSCHMIDT3 | FL 18 90 PARK AVE NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 0.67% |
| ZACHARY KRIFTCHER3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $471 | $4K | 0.51% |
| GAVRIEL C EPSTEIN3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 0.50% |
| FREDERICK BERNARD DENITZ3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $175 | $3K | 0.44% |
| PETER H DODD3 Filed as: PETER D SLESINSKI | 281 TRESSER BLVD STE 1004 STAMFORD, CT 06901 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 0.40% |
| TODD HUNTER PARKER3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $281 | $3K | 0.38% |
| VINCENT TRIMARCO3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $996 | $3K | 0.38% |
| ARI GREENMAN3 | STE 1004 281 TRESSER BLVD STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $519 | $3K | 0.36% |
| ANDREW L MOORE3 | 4695 MACARTHUR CT STE 1000 NEWPORT BEACH, CA 926601865 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $338 | $2K | $3K | 0.35% |
| STEFAN ERICH GREENBERG3 | 281 TRESSER BLVD STE 1004 STAMFORD, CT 069013238 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.24% |
| DARREN MARC GERSTENBLATT3 | FL 18 90 PARK AVE NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $165 | $2K | 0.23% |
| BRIAN KAPLAN3 Filed as: BRIAN BOOK | 90 PARK AVE FL 18 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $689 | $960 | $2K | 0.23% |
| MARY JANE SCHROEDER3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $38 | $1K | 0.19% |
| JOSHUA T LIEBERMAN3 | STE 3330 1 N FRANKLIN ST CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $17 | $1K | 0.16% |
| EDGAR F WHITMORE3 | STE 4200 444 S FLOWER ST LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $857 | $0 | $857 | 0.12% |
| ROBERT J SEGALL3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $782 | $41 | $823 | 0.11% |
| JARED MILTON FUNK3 | LENOX ADVISORS 1N FRANKLIN ST STE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $796 | $0 | $796 | 0.11% |
| CHASE BENJAMIN GOLOMB3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $765 | $0 | $765 | 0.11% |
| DAVID ANDREW SUZZAN3 | 2952 SE APEX VIS WAUKEE, IA 502632919 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $484 | $265 | $749 | 0.10% |
| JENNIFER PAIGE MANN3 | STE 3330 1 N FRANKLIN ST CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $707 | $6 | $713 | 0.10% |
| JARAD PLUMMER3 | 1 N FRANKLIN ST STE 3330 CHICAGO, IL 606063611 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $670 | $0 | $670 | 0.09% |
| GIL ELMALEH3 | 1182 WILLOW LAWN DR RICHMOND, VA 232261531 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $627 | — | $627 | 0.09% |
| BRENDAN J KENNY3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $586 | — | $586 | 0.08% |
| FREDERICK BERNARD DENITZ3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $545 | $31 | $576 | 0.08% |
| BRIAN KAPLAN3 Filed as: BRIAN BULGER | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $444 | $0 | $444 | 0.06% |
| BRITT A SZOSTAK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $407 | — | $407 | 0.06% |
| WILLIAM BASEL3 | STE 4200 444 S FLOWER ST LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $145 | $186 | $331 | 0.05% |
| NOAH WILLS3 | STE 215 2600 N MILITARY TRL BOCA RATON, FL 334316796 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $223 | — | $223 | 0.03% |
| GREGORY LARGE3 Filed as: GREGORY JOHN SULLIVAN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $166 | $166 | 0.02% |
| EDGAR F WHITMORE3 | STE 4200 444 S FLOWER ST LOS ANGELES, CA 900712965 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $158 | — | $158 | 0.02% |
| JOHN J MILLER3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $115 | — | $115 | 0.02% |
| MICHAEL A BOOK3 Filed as: MICHAEL GUNNAR MCLAUGHLIN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $97 | — | $97 | 0.01% |
| PAUL DAVID FERRANTE3 | FL 18 90 PARK AVE NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $93 | — | $93 | 0.01% |
| BRETT NORTON3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $89 | — | $89 | 0.01% |
| GREGORY LARGE3 Filed as: GREGORY LOUIS OLSEN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.01% |
| WILLIAM BASEL3 | STE 4200 444 S FLOWER ST LOS ANGELES, CA 90071 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27 | $20 | $47 | 0.01% |
| JOSEPH VINCENT GUEVARA3 | 1103 CARDIGAN CT WALNUT CREEK, CA 945966440 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.00% |
| MICHAEL A BOOK3 Filed as: MICHAEL BOOK | 530 5TH AVE FL 11 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.00% |
| VICTOR B GOLDMAN3 | STE 4000 4900 N SCOTTSDALE RD SCOTTSDALE, AZ 852512073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| DANIEL OH3 | 444 S FLOWER ST STE 4200 LOS ANGELES, CA 90071 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 3.14% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $3K | $44K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $3K | $13K | 5.78% |
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 | 1,512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 56 | $323K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 56 | $323K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,034 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,034 | $1.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,813 | $2.5M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,034 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,034 | — |
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.