| 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 | $45K | $21K | $66K | 14.46% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | FIRST UNUM LIFE INSURANCE COMPANY | $21K | $4K | $25K | 5.40% |
| 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 | $29K | — | $29K | 20.40% |
| GEORGE R KOROGHLIAN3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 076635832 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| DOMINICK IORIO3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $849 | — | $849 | 0.71% |
| STEPHEN L GROSSMAN3 | ONE PENN PLAZA SUITE 2035 250 WEST 34TH ST NEW YORK, NY 101190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $193 | — | $193 | 0.16% |
| PETER S NOVAK3 | 42 CORD GRASS CT FERNANDINA BEACH, FL 320340058 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $65 | — | $65 | 0.05% |
| RICHARD T NOLAN3 | UNIT 11A 3730 N OCEAN DR RIVIERA BEACH, FL 334043287 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $58 | — | $58 | 0.05% |
| JAMES W OTWELL3 | 130 LEEWARD DR STOKESDALE, NC 273578647 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 5.62% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200/ 899 CASSATT ROAD BERWYN, PA 19312 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.81% |
| 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 | $11K | — | $11K | 19.98% |
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 | 1,806 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,806 | 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 | 3,029 | $2.6M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,741 | $456K |
| Long-term disability(4 contracts, 3 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 155 | $381K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | 3,029 | $2.4M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,741 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,029 | — |
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.