| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 NORTH WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $61K | $17K | $77K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | VISION SERVICE PLAN | $927 | $0 | $927 | 5.70% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 4TH FLOOR WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $985 | $0 | $985 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $985 | $0 | $985 | 10.00% |
| ALEX ANTHONY LONGO3 | 171 MEADOWBROOK LANE, SUITE A BROOKHAVEN, PA 19015 | AFLAC | $278 | $0 | $278 | 9.31% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $97 | $0 | $97 | 3.25% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F MROWKA JR AND OTHER AGENTS | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $94 | $0 | $94 | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $57 | $0 | $57 | 1.91% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T O HANLON | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $54 | $0 | $54 | 1.81% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $25 | $0 | $25 | 0.84% |
| RUSSELL L. DAYVAULT3 | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $24 | $0 | $24 | 0.80% |
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 | 108 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 103 | $1.7M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 103 | $1.7M |
| Vision | VISION SERVICE PLAN | 86 | $16K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $10K |
| Short-term disability | AFLAC | 5 | $3K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $10K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 103 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.