Welfare broker

BLUE OCEAN BENEFITS & CONSULTING

Mailing address (most recent filing)

STE 202

1971 STATE HWY 34

WALL, NJ 07719

Total comp: $15K
Commissions: $14K
Fees: $555
Filings: 4
Sponsors: 4

Carrier mix

Where BLUE OCEAN BENEFITS & CONSULTING places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA33.3%
PRINCIPAL LIFE INSURANCE COMPANY33.3%
DELTA DENTAL OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$146K	33.3%
PRINCIPAL LIFE INSURANCE COMPANY	1	$86K	33.3%
DELTA DENTAL OF CALIFORNIA	1	$50K	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NJ	3	$282K	0.1%	46.37x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of BLUE OCEAN BENEFITS & CONSULTING's plans by broker comp / premium ratio. Median 10.95% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of BLUE OCEAN BENEFITS & CONSULTING's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where BLUE OCEAN BENEFITS & CONSULTING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HSF ENTERPRISES, INC. HSF ENTERPRISES, INC. HEALTH & WELFARE BENEFITS PLAN	NJ	$146K	$11K	UNUM LIFE INSURANCE COMPANY OF AMERICA
GUTTENPLAN'S FROZEN DOUGH, INC. GUTTENPLAN'S FROZEN DOUGH SPECIALISTS HEALTH AND WELFARE PLAN	NJ	$86K	$9K	PRINCIPAL LIFE INSURANCE COMPANY
GREENWOOD HOUSE HOME FOR THE JEWISH AGED GREENWOOD HOUSE FRINGE BENEFITS PLAN	NJ	$50K	$7K	DELTA DENTAL OF NEW JERSEY, INC.

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$146K

33.3%

PRINCIPAL LIFE INSURANCE COMPANY

$86K

33.3%

DELTA DENTAL OF CALIFORNIA

$50K

33.3%

State

Plans

Premium

State share

Index

$282K

0.1%

46.37x

Sponsor

Loc

Premium

Comp

Carrier

HSF ENTERPRISES, INC.

HSF ENTERPRISES, INC. HEALTH & WELFARE BENEFITS PLAN

$146K

$11K

UNUM LIFE INSURANCE COMPANY OF AMERICA

GUTTENPLAN'S FROZEN DOUGH, INC.

GUTTENPLAN'S FROZEN DOUGH SPECIALISTS HEALTH AND WELFARE PLAN

$86K

$9K

PRINCIPAL LIFE INSURANCE COMPANY

GREENWOOD HOUSE HOME FOR THE JEWISH AGED

GREENWOOD HOUSE FRINGE BENEFITS PLAN

$50K

$7K

DELTA DENTAL OF NEW JERSEY, INC.