| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11559 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132K | $0 | $132K | 19.35% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87K | $0 | $87K | 12.81% |
| PAULA C. FRIZZELL3 Filed as: PAULA C. FRIZZELL AND OTHER AGENTS | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76K | $0 | $76K | 11.13% |
| YONASAN ABRAHAM3 | 210 STRATFORD PLACE LAKEWOOD, NJ 08701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | $0 | $39K | 5.77% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 4351 JAGER DRIVE NE, SUITE B RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 2.55% |
| HENSLEY A AKIBOH3 Filed as: HENSLEY A. AKIBOH | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 1.35% |
| HEATHER M BARTLEY3 Filed as: HEATHER M. BARTLEY | 602 BEAVER COURT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $7K | $32K | 6.83% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 6.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.47% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $470K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $470K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,262 | $1.2M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,262 | $681K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $470K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,262 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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.
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.