| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE ST STE 203 CEDARHURST, NY 11516 | DELTA DENTAL OF MINNESOTA | $17K | — | $17K | 10.07% |
| SATS LLC3 | SATS LLC CEDARHURST, NY 11516 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.67% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | FOUNDATION RISK PARTNERS CORP. DAYTONA BEACH, NY 32117 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-BENEFIT MALL | CENTERSTONE INSURANCE DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $0 | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFITS -ALERA GROUP AGENCY | 7900 INTERNATIONAL DR STE 1040 BLOOMINGTON, MN 55425 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 14.00% |
| SATS LLC3 | 77 SPRUCE ST STE 203 CEDARHURST, NY 11516 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $174K |
| SATS EIN 81-0579145 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $95K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $35K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Claims processing; Other services Service code 12 | — | $10K |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 459 | $169K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 444 | $30K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 342 | $59K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 342 | $59K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 342 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.