| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVIGATION BENEFITS LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 8.45% |
| STUART DUNKLE3 Filed as: STUART JAY SPIVAK | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 7.50% |
| WORLD INSURANCE ASSOCIATES LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.84% |
| EDWARD D SOMMER3 Filed as: EDWARD R BLUESTEIN & ASSOCIATES LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.55% |
| NAVIGATION BENEFITS LLC3 | 117 FORREST AVE STE 214 NARBERTH, PA 19072 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $437 | — | $437 | 3.88% |
| STUART SPIVAK3 | 8160 E BUTHERUS DRIVE APT 5 SCOTTSDALE, AZ 85260 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $246 | — | $246 | 2.18% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $426K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $437K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $426K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $426K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.