| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 9.72% |
| BRIAN ALLAIN3 | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 8.33% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.00% |
| ANDY SCHWARTZ3 | 100 PASSAIC AVENUE SUITE 300 FAIRFIELD, NJ 07004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 3.57% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $90 | $90 | 0.03% |
| BRIAN ALLAIN3 | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 11.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.69% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.65% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $90 | $90 | 0.20% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 42 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.