| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE ST SUITE 203 CEDARHURST, NY 11559 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277K | — | $277K | 28.76% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109K | — | $109K | 11.30% |
| JOSHUA JAY GARDEN3 Filed as: JOSHUA J. GARDEN | 2850 W. TOUHY AVE UNIT B CHICAGO, IL 60645 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55K | — | $55K | 5.67% |
| JEFFREY M SATTERLEE3 | 4351 JAGER DR NE SUITE J RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | — | $35K | 3.64% |
| JOHNATHAN DAVID BESWARICK3 Filed as: JOHNATHAN D BESWARICK | 250 ESTATES DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 1.97% |
| HENSLEY A AKIBOH3 Filed as: HENSLEY A. AKIBOH | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 1.57% |
| ERIC JOSEPH BELANCIC3 Filed as: ERIC J. BELANCIC | 147 SENECA RD WHEELING, WV 26003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 1.48% |
| HEATHER M BARTLEY3 Filed as: HEATHER M. BARTLEY | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 0.98% |
| PAUL FICK3 | 1649 EMERSON AVE FORT WAYNE, IN 46808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 0.95% |
| MARIANNE E SULLIVAN3 Filed as: MARIANNE SULLIVAN | 305 WATERFORD CT CRANBERRY Y TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 0.86% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD SHEPARD | 4118 N. MARMORA AVE CHICAGO, IL 60634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 0.80% |
| JAMES J ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 0.72% |
| BYRON ALLEN BRAY3 Filed as: BYRON A BRAY | 3214 18TH AVE BEAVER FALLS, PA 15010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 0.70% |
| HEATHER LUTZ3 | SEE PMC BUTLER, PA 16002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.64% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.59% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L. ROWE | SEE PMC PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.50% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.48% |
| CHARLES M BANDELIER3 Filed as: CHARLES M. BANDELIER | 220 INSURANCE DR FORT WAYNE, IN 46825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.47% |
| JENNIFER LYNN JONES3 Filed as: JENNIFER L. JONES | 11030 NOWHERE ROAD HULL, GA 30646 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.44% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W. CALABRO | 36 ROBINHOOD DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.43% |
| SEAN P SMITH3 Filed as: SEAN P. SMITH | 5 DEERFIELD DR VALLEY GROVE, WV 26060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.40% |
| DEREK P SMITH3 Filed as: DEREK P. SMITH | 801 PANORAMA DRIPPING SPRINGS, TX 78620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.36% |
| MICHAEL S CLISE3 Filed as: MICHAEL S. CLISE | PO BOX 228 EIGHTY FOUR, PA 15330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.36% |
| JULIAN CRUZ3 | 340 SW TURKEY GIN FORT WHITE, FL 32038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.29% |
| GEORGE A BITTEL3 | 129 MARION DR MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| KRISTEN NICOLE WILKINS3 Filed as: KRISTEN N. WILKINS | 315 SCHMIDT LN LIGONIER, PA 15658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| JOSHUA JAY GARDEN3 Filed as: JOSHUA J. GARDEN | 2850 W. TOUHY AVE UNIT B CHICAGO, IL 60645 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH P HURLEY | 8918 MEADOWMONT VIEW CHARLOTTE, NC 28269 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| ANCILLARY BENEFITS CONSULTING LLC3 | 902 1ST ST#1 CANONBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| CHARLES M SAYBEL3 Filed as: CHARLES M. SAYBEL | 608 DIXIE DR PITTSBURGH, PA 15235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| JOSHUA JONES3 | 4388 NASH RD EASTR SPRINGFIELD, PA 16411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.23% |
| NJN LLC3 | 137 WEISSER AVE LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.15% |
| MATTHEW RYAN KIRKWOOD3 Filed as: MATTHEW R. KIRKWOOD | 742 ADDIS ST NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| PATRICK JOHN CALABRO3 Filed as: PATRICK J. CALABRO | 2120 RIDGE DR. MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.12% |
| MICHAEL A. BITTEL3 | 129 MARION DRIVE MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $774 | — | $774 | 0.08% |
| YONASAN ABRAHAM3 | 210 STRTFORD PLACE LAKEWOOD, NJ 08701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $723 | — | $723 | 0.08% |
| SADIE M ROYSTER3 | 6 ELMWOOD ST UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $676 | — | $676 | 0.07% |
| BRANDI L DONLIN3 Filed as: BRANDI L. DONLIN | 810 RIVER AVE PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $636 | — | $636 | 0.07% |
| JEFFREY CORREAL3 Filed as: JEFFREY S. CORREAL | 253 S MOUNT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $606 | — | $606 | 0.06% |
| AMANDA L. CHAPKO3 | 3340 N DEARING RD PARMA, MI 49269 | CONTINENTAL AMERICAN INSURANCE COMPANY | $572 | — | $572 | 0.06% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $491 | — | $491 | 0.05% |
| DEBORAH JUNE CRISP3 Filed as: DEBORAH J CRISP-CALDWELL | 1432 WHITMAN DR NW CONCORD, NC 28027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.03% |
| MATTHEW G BURNSIDE3 Filed as: MATTHEW G. BURNSIDE | 6712 HEATHERFORD COURT DERWOOD, MD 20855 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.03% |
| TANISHIA J SKIPPER3 Filed as: TANISHIA J. SKIPPER | 443 HARKNESS RD JACKSON, GA 30233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.02% |
| JACK BITTEL3 | 1195 WASHINGTON PIKE BRIDGEVILLE, PA 15107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.02% |
| JOHN T RAMSEY3 | 104 RBC DR RINGGOLD, GA 30736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.01% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: THE BLUE ORANGE SOLUTIONS LLC | 2435 N. CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.01% |
| DEREK P SMITH3 Filed as: DEREK P. SMITH | 801 PANORAMA DR DRIPPING SPRINGS, TX 78620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.00% |
| JENNIFER HAIR3 | 1699 E. ROY FURMAN HWY CARMICHAELS, PA 15320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| JULIA TAYLOR3 | SEE PMC NORWALK, CT 06853 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| TAYLOR V COSCINO3 Filed as: TAYLOR V. COSCINO | 1526 FOOTE ST NE ATLANTA, GA 30307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| SATS LLC3 | 77 SPRUCE STREET CEDARHURST, NY 11516 | AETNA | $2K | — | $2K | 0.48% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 5.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2124 KOHLER MEMORIAL DR SUITE 300 SHEBOYGAN, WI 53081 | AETNA | $290 | $2K | $2K | 3.27% |
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 | 1,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA | 89 | $641K |
| Dental(2 contracts, 2 carriers) | AETNA | 910 | $811K |
| Vision(2 contracts, 2 carriers) | AETNA | 846 | $568K |
| Life insurance | METROLPOLITAN LIFE INSURANCE COMPANY | 1,243 | $45K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,243 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,243 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.