| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | — | $59K | 20.00% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.02% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PK #200/899 CASSATT RD BERWYN, PA 19312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.98% |
| 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 | -$29 | — | -$29 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 20.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PK #200/899 CASSATT RD BERWYN, PA 19312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $831 | — | $831 | 2.06% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $780 | — | $780 | 1.94% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $90 | $90 | 0.22% |
| BRIAN ALLAIN3 | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$21 | — | -$21 | -0.05% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 39 | $40K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.