| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE INC | $60K | — | $60K | 3.72% |
| THE ROSENTHAL INSURANCE GROUP3 Filed as: ROSENTHAL INSURANCE GROUP INC | 1680 ROUTE 23, SUITE 125 WAYNE, NJ 07470 | OXFORD HEALTH INSURANCE INC | $22K | — | $22K | 1.40% |
| GEORGE E BIEL3 Filed as: GEORGE EVERETT BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $110 | $10K | 7.22% |
| BRAD BIEL3 | 1050 WALL STREET W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 3.16% |
| LUIS FERNANDO ALAMO3 | 8306 5TH AVENUE NORTH BERGEN, NJ 07047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 0.94% |
| MIRIAM ESPERANZA YOUNAN3 | 41 WEST 17TH ST BAYONNE, NJ 07002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $898 | — | $898 | 0.62% |
| GARY SHAWAH3 | 142 ROUTE 23 N POMPTON PLAINS, NJ 07444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $625 | — | $625 | 0.43% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | — | $448 | 0.31% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $13 | $428 | 0.30% |
| WENDY BIEL3 Filed as: WENDY DRAKES BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | — | $427 | 0.29% |
| CHRISTPHER JOHNSON3 | 131 WEST 112 ST APT 4B NEW YORK, NV 10026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 0.22% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES INC. | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NJ INC | PO BOX 5002 SHORT HILLS, NJ 07078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.06% |
| WILLIAM E GOOD3 Filed as: WILLIAM GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.05% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.04% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $8 | $59 | 0.04% |
| JAMES R CLOSE3 Filed as: JAMES CLOSE | 142 ROUTE 23 NORTH POMPTON PLAINS, NJ 07444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.03% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 1680 ROUTE 23, SUITE 125 WAYNE, NJ 07470 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $14K | 10.87% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC | 277 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $126K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $126K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 214 | $271K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $145K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 214 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.