| 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 | $58K | — | $58K | 10.83% |
| 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 | — | $22K | $22K | 4.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200/ 899 CASSATT RD BERWYN, PA 19312 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 180 RIVER RD 2ND FLOOR SUMMIT, NJ 07901 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $31K | — | $31K | 20.00% |
| 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 | 0.83% |
| BRIAN ALLAIN3 Filed as: BRIAN JOSEPH ALLAIN | 180 RIVER ROAD SUITE 2 SUMMIT, NJ 07092 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18K | — | $18K | 13.84% |
| GEORGE R KOROGHLIAN3 | 250 PEHLE AVE SUITE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.31% |
| DOMINICK IORIO3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $943 | — | $943 | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $498 | — | $498 | 0.39% |
| STEPHEN L GROSSMAN3 | ONE PENN PLAZA STE 2035 250 WEST 34TH ST NEW YORK, NY 101190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $105 | $335 | $440 | 0.34% |
| RICHARD T NOLAN3 | 3730 OCEAN DRIVE UNIT 11A RIVERA BEACH, FL 334043287 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $157 | — | $157 | 0.12% |
| PETER S NOVAK3 | 734 LONGMEADOW ST #312 LONGMEADOW, MA 011062245 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $136 | — | $136 | 0.11% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| JAMES W OTWELL3 | 8410 US HWY 158 STOKESDALE, NC 273579247 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD OF NEW YORK | $2K | — | $2K | 10.69% |
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 | 1,669 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | 1,766 | $1.1M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,909 | $539K |
| Long-term disability(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,909 | $843K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,909 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,909 | — |
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.