| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11559 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 9.70% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN D BESWARICK & OTHER AGENTS | 250 ESTATES DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 9.53% |
| BRAIN W PATTEN3 | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 6.95% |
| ROUP PREFERRED SERVICES G3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11559 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 6.75% |
| BRAIN W PATTEN3 | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 3.14% |
| YONASAN ABRAHAM3 | 210 STRATFORD PLACE LAKEWOOD, NJ 08701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 2.85% |
| FREDDIE BOYKIN3 Filed as: FREDDIE L BOYKIN | 28711 STONE FOX DRIVE SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.29% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 16.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.04% |
| SATS LLC3 | UNKNOWN BROOKLYN, NY 11204 | AETNA | $1K | $0 | $1K | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | UNKNOWN BROOKLYN, NY 11204 | AETNA | $900 | $0 | $900 | 0.61% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | METLIFE LEGAL PLANS | $391 | $0 | $391 | 11.25% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 15 | $148K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $162K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $162K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 582 | $503K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 296 | $342K |
| Prescription drug | AETNA | 15 | $148K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 582 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.