| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PK STE 200 BERWYN, PA 19312 | FIRST UNUM LIFE INSURANCE COMPANY | $71K | $16K | $87K | 14.38% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | FIRST UNUM LIFE INSURANCE COMPANY | — | $32K | $32K | 5.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $18K | — | $18K | 12.68% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200/ 899 CASSATT ROAD BERWYN, PA 19312 | SUN LIFE AND HEALTH INSURANCE COMPANY | $9K | — | $9K | 6.34% |
| BRIAN ALLAIN3 Filed as: BRIAN JOSEPH ALLAIN | 180 RIVER RD STE 2 SUMMIT, NJ 079011474 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.47% |
| GEORGE R KOROGHLIAN3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 076635832 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 3.99% |
| DOMINICK IORIO3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $631 | — | $631 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LTD | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 117474708 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $121 | — | $121 | 0.14% |
| STEPHEN L GROSSMAN3 | ONE PENN PLAZA SUITE 2035 250 WEST 34TH ST NEW YORK, NY 101190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61 | — | $61 | 0.07% |
| RICHARD T NOLAN3 | UNIT 11A 3730 N OCEAN DR RIVIERA BEACH, FL 334043287 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $53 | — | $53 | 0.06% |
| PETER S NOVAK3 | 42 CORD GRASS CT FERNANDINA BEACH, FL 320340058 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6 | — | $6 | 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 | 2,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,061 | $145K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,939 | $604K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 226 | $230K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,939 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,939 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.