| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | DELTA DENTAL OF MINNESOTA | $21K | $0 | $21K | 10.32% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51K | $0 | $51K | 41.51% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50K | $0 | $50K | 40.68% |
| SATS LLC3 | UNKNOWN CEDARHURST, NY 11516 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.71% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFITS AN ALERA GROUP AGCY | 7900 INTERNATIONAL DRIVE SUITE 1040 BLOOMINGTON, MN 55425 | AMERITAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 14.00% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 7.00% |
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 | 398 | 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) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 577 | $208K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 563 | $43K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 398 | $235K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 398 | $111K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 398 | $111K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 398 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.