| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE ST SUITE 203 CEDARHURST, NY 11516 | EMPIRE HEALTHCHOICE ASSURANCE | $87K | — | $87K | 3.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION STE 700 DENVER, CO 80237 | EMPIRE HEALTHCHOICE ASSURANCE | $9K | — | $9K | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCKTON COMPANIES LLC BROKER/INSURANCE AGENT | Insurance agents and brokers Service code 22 | 8110 E UNION STE 700 DENVER, CO 80237 | $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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE | 310 | $2.4M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE | 310 | $2.4M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE | 310 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.