| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 5.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.25% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.19% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | AFLAC | $1K | $0 | $1K | 7.48% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $841 | $155 | $996 | 5.06% |
| YONASAN ABRAHAM3 | 1 SPRINGBROOK DRIVE JACKSON, NJ 08527 | AFLAC | $995 | $0 | $995 | 5.06% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN D BESWARICK & OTHER AGENTS | 250 ESTATES DRIVE GIBSONIA, PA 15044 | AFLAC | $887 | $82 | $969 | 4.92% |
| CYNTHIA LOGGINS3 Filed as: CYNTHIA BERNARD LOGGINS | 1434 EMERSON WAY MONROE, GA 30656 | AFLAC | $593 | $232 | $825 | 4.19% |
| SAMANTHA A QUINN3 Filed as: SAMANTHA A. QUINN | 10765 CENTENNIAL DRIVE ALPHARETTA, GA 30022 | AFLAC | $587 | $0 | $587 | 2.98% |
| ALICIA B CLIFTON3 Filed as: ALICIA B. CLIFTON | 1715 SPARTAN LANE HOSCHTON, GA 30548 | AFLAC | $333 | $33 | $366 | 1.86% |
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 | 73 | 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) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 54 | $551K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 54 | $551K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 54 | $551K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $21K |
| Short-term disability | AFLAC | 14 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 54 | $551K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.