| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $0 | $27K | 8.73% |
| SPIVAK, STUART3 | 8160 E BUTHERUS DR APT 5 SCOTTSDALES, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 4.55% |
| NAVIGATION BENEFITS LLC3 | 117 FOREST AVE SUITE 214 NARBERTH, PA 19072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 4.41% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 FRONT ST SUITE 140 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 1.35% |
| BLUESTEIN, EDWARD R3 | 801 LAKEVIEW DR SUITE 303 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.44% |
| SPIVAK, STUART3 | 8160 E BUTHERUS DR APT 5 SCOTTSDALES, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.44% |
| NAVIGATION BENEFITS LLC3 | 117 FOREST AVE SUITE 214 NARBERTH, PA 19072 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $375 | $0 | $375 | 3.90% |
| SPIVAK, STUART3 | 8160 E BUTHERUS DR APT 5 SCOTTSDALES, AZ 85260 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $234 | $0 | $234 | 2.43% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 674 | $309K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $416K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 674 | $309K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 838 | $407K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 674 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.