| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE ST SUITE 203 CEDARHURST, NY 11516 | AETNA LIFE INSURANCE COMPANY | $106K | — | $106K | 4.96% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.21% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE & DISABILITY INSURANCE CO | $6K | — | $6K | 5.40% |
| SATS LLC3 | 77 SPRUCE ST SUITE 203 CEDARHURST, NY 11516 | ANTHEM LIFE & DISABILITY INSURANCE CO | $5K | — | $5K | 3.94% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE & ACCIDENT | $5K | $3K | $7K | 12.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FNA INSURANCE SERVICES INC BROKER/INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | $0 |
| SATS LLC EIN 81-0579145 BROKER/INSURANCE AGENT | Insurance agents and brokers Service code 22 | 77 SPRUCE STREET SUITE 403 CEDARHURST, NY 11516 | $0 |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 334 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 334 | $2.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 334 | $2.1M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE CO | 319 | $119K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE CO | 319 | $119K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 223 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
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.