| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTOMARE FINANCIAL GROUP, INC.3 | 1680 ROUTE, 23 NORTH WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $49K | $14K | $63K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL, SUITE 210N HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $5K | $0 | $5K | 0.32% |
| ALTOMARE FINANCIAL GROUP, INC.3 | 1680 ROUTE, 23 NORTH WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $6K | $2K | $8K | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL, SUITE 210N HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $557 | $0 | $557 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | VISION SERVICE PLAN | $906 | $0 | $906 | 6.36% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | VISION SERVICE PLAN | $785 | $0 | $785 | 5.51% |
| ALEX LONGO3 | 171 MEADOWBROOK LANE, SUITE A BROOKHAVEN, PA 19015 | AFLAC | $90 | $68 | $158 | 11.42% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNIKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $34 | $9 | $43 | 3.11% |
| JACQUELINE EBERZ AND OTHER AGNETS3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $31 | $0 | $31 | 2.24% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW O HANLON | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $19 | $9 | $28 | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $23 | $0 | $23 | 1.66% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $21 | $0 | $21 | 1.52% |
| EDWARD F MROWKA JR3 Filed as: EDWARD MROWKA JR | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $18 | $0 | $18 | 1.30% |
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. | 104 | $1.5M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 104 | $1.5M |
| Vision | VISION SERVICE PLAN | 76 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $48K |
| Short-term disability | AFLAC | 1 | $1K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $48K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 68 | $186K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
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.