| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN ALLAIN3 Filed as: BRIAN JOSEPH ALLAIN | 180 RIVER RD 2ND FL SUMMIT, NJ 07901 | SUN LIFE AND HEALTH INSURANCE COMPANY | $26K | — | $26K | 4.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY | $18K | — | $18K | 3.31% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 08034 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $16K | $16K | 2.99% |
| ANDY SCHWARTZ3 Filed as: ANDY M. SCHWARTZ | 100 PASSAIC AVE STE 300 FAIRFIELD, NJ 07004 | SUN LIFE AND HEALTH INSURANCE COMPANY | $14K | — | $14K | 2.54% |
| BRIAN ALLAIN3 | 52 FOREST AVE PARAMUS, NJ 07652 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $23K | — | $23K | 20.00% |
| ALLAIN BRIAN JOSEPH3 | 52 FOREST AVE PARAMUS, NJ 07652 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $280 | $8K | 9.19% |
| KOROGHLIAN GEORGE R3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $3K | $4K | 5.10% |
| NOVAK PETER S3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $393 | — | $393 | 0.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 7 HANOVER SQ FL 11 NEW YORK, NY 10004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $272 | — | $272 | 0.33% |
| NOLAN RICHARD T3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $248 | — | $248 | 0.30% |
| NAUGHTON BRENDAN C3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $82 | — | $82 | 0.10% |
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 | 1,694 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,317 | $226K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,694 | $535K |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,694 | $733K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,694 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,694 | — |
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.