| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT H PETROCELLI3 Filed as: ROBERT H. PETROCELLI JR. | 120 BROADWAY, FL 29 NEW YORK, NY 10271 | MASS MUTUAL LIFE INSURANCE CO. | $21K | $131 | $21K | 9.72% |
| PETER S NOVAK3 | 330 WHITNEY AVE, SUITE 600 HOLYOKE, MA 01040 | MASS MUTUAL LIFE INSURANCE CO. | $2K | $529 | $3K | 1.28% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 530 5TH AVE, FL 14 NEW YORK, NY 10036 | MASS MUTUAL LIFE INSURANCE CO. | $977 | $0 | $977 | 0.45% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN NAUGHTON | 330 WHITNEY AVE, SUITE 600 HOLYOKE, MA 01040 | MASS MUTUAL LIFE INSURANCE CO. | $727 | $0 | $727 | 0.34% |
| DYE & ESKIN INC3 Filed as: DYE & ESKIN | 1324 VINCENT PLACE MCCLEAN, VA 22101 | LLOYDS OF LONDON | $6K | $0 | $6K | 30.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $968K |
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 | 2,910 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 2,360 | $1.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,910 | $258K |
| Life insurance | GUARDIAN | 2,360 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 2,360 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 2,360 | $1.8M |
| Other | GUARDIAN | 2,360 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,910 | — |
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."
No prospect flags tripped on this filing.