| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY | $49K | — | $49K | 9.16% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS | OF CHERRY HILL LLC 413 MARLTON PIKE E SUITE 300 CHERRY HILL, NJ 08034 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $27K | $27K | 4.99% |
| KOROGHLIAN GEORGE R3 | 250 PEHLE AVE SUITE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $9K | $10K | 12.72% |
| BRIAN ALLAIN3 Filed as: BRIAN JOSEPH ALLAIN | 180 RIVER ROAD SUITE 2 SUMMIT, NJ 07092 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.11% |
| DOMINIC IORIO3 | 250 PEHLE AVE SUITE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.87% |
| STEPHEN GROSSMAN3 | ONE PENN PLAZA SUITE 2035 250 WEST 34TH STREET NEW YORK, NY 100190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $352 | $352 | 0.43% |
| NOVAK PETER S3 | 734 LONGMEADOW STREET SUITE 312 LONGMEADOW, MA 011062245 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $248 | — | $248 | 0.30% |
| N/A3 | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $218 | — | $218 | 0.27% |
| NOLAN RICHARD T3 | 3730 OCEAN DRIVE UNIT 11A RIVERA BEACH, FL 334043287 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $193 | — | $193 | 0.24% |
| NAUGHTON BRENDAN C3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $62 | — | $62 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 7 HANOVER SQUARE 11TH FLOOR NEW YORK, NY 10004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| JAMES W OTWELL3 Filed as: JAMES W. OTWELL | 102 W LANDING DRIVE EMERALD ISLE, NC 285943450 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| 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 | $16 | — | $16 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 12.38% |
| BRIAN ALLAIN3 | 52 FOREST AVE PARAMUS, NJ 07652 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 1.53% |
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 | 1,676 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,237 | $191K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,828 | $533K |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,828 | $696K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,828 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,828 | — |
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."
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.