| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC. | 64 E UWCHLAN AVE STE 261 EXTON, PA 19341 | UNION SECURITY INSURANCE COMPANY | $36K | — | $36K | 14.24% |
| STUART SPIVAK3 | 8160 E BUTHERUS DRIVE STE 5 SCOTTSDALE, AZ 85260 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 9.50% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC. | 64 E UWCHLAN AVE STE 261 EXTON, PA 19341 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.11% |
| STUART SPIVAK3 Filed as: STUART J SPIVAK | 8160 E BUTHERUS DRIVE STE 5 SCOTTSDALE, AZ 85260 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.11% |
| NAVIGATION BENEFITS LLC3 | 117 FORREST AVE STE 214 NARBERTH, PA 19072 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $12K | — | $12K | 53.93% |
| STUART SPIVAK3 | 8160 E BUTHERUS DRIVE APT 5 SCOTTSDALE, AZ 85260 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 35.95% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 268 | $99K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 55 | $23K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 151 | $249K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 151 | $249K |
| Other | UNION SECURITY INSURANCE COMPANY | 151 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.