| 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 | $43K | — | $43K | 10.11% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200 / 899 CASSATT RD BERWYN, PA 19312 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $21K | $21K | 5.06% |
| 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 | $28K | — | $28K | 21.64% |
| 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 | 1.03% |
| BRIAN ALLAIN3 Filed as: BRIAN JOSEPH ALLAIN | STE 2 180 RIVER RD SUMMIT, NJ 079011474 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $12K | — | $12K | 10.85% |
| GEORGE R KOROGHLIAN3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 076635832 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $3K | $2K | $4K | 4.09% |
| DOMINICK IORIO3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $909 | — | $909 | 0.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $572 | — | $572 | 0.54% |
| STEPHEN L GROSSMAN3 | ONE PENN PLAZA SUITE 2035 250 WEST 34TH ST NEW YORK, NY 101190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $47 | $290 | $337 | 0.32% |
| PETER S NOVAK3 | 42 CORD GRASS CT FERNANDINA BEACH, FL 320340058 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $113 | — | $113 | 0.11% |
| RICHARD T NOLAN3 | UNIT 11A 3730 N OCEAN DR RIVIERA BEACH, FL 334043287 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $84 | — | $84 | 0.08% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $37 | — | $37 | 0.03% |
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 | 1,405 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,405 | 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 | 1,889 | $1.1M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,559 | $423K |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,559 | $656K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,559 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,559 | — |
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.