| 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. | $55K | $27K | $81K | 5.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $18K | 16.41% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 4.99% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD, 3RD FLOOR MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 4.49% |
| LACEY AURIEMMA3 | 2600 HIGHWAY 35 MANASQUAN, NJ 08736 | AFLAC | $4K | $0 | $4K | 13.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | AFLAC | $4K | $0 | $4K | 12.87% |
| BRAIN M. DENOIA3 | 1312 BARTON AVENUE POINT PLEASANT, NJ 08742 | AFLAC | $3K | $0 | $3K | 9.54% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER JOSEPH BURRIS | 307 GRAND CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $840 | $0 | $840 | 2.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | VISION SERVICE PLAN | $808 | $0 | $808 | 6.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | UNKNOWN PRINCETON, NJ 08543 | ALPHA DENTAL PROGRAMS, INC. | $141 | $0 | $141 | 3.00% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 121 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 147 | $69K |
| Vision | VISION SERVICE PLAN | 105 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $109K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $109K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $109K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 121 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
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.
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.