| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 Filed as: SATS LLC DBA PREFERRED SERVICES GRP | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | $0 | $57K | 3.33% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.68% |
| CAREY S GRUENBAUM3 | 34 DOUGHTY BOULEVARD LAWRENCE, NY 11559 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.54% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.50% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.96% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET CEDARHURST, NY 11516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $333 | $3K | 11.96% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $596 | $3K | 9.05% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $272 | $1K | 4.74% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | $426 | $1K | 4.11% |
| ONEILL VOLUNTARY BNFT SVCS & OTHERS3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $697 | $452 | $1K | 4.07% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $718 | $0 | $718 | 2.54% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $75 | $480 | 1.70% |
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET CEDARHURST, NY 11516 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.18% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | THE PAUL REVERE LIFE INSURANCE COMPANY | $531 | $155 | $686 | 6.72% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $313 | $43 | $356 | 3.49% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $184 | $0 | $184 | 1.80% |
| PAULETTE VICTORIA WALKER3 | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.74% |
| DANA MARIE MOWATT3 Filed as: DANA MARIE MOWATT AND OTHER AGENTS | 23701 SOUTH WESTERN AVENUE SUITE 112 TORRANCE, CA 90501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | $9 | $70 | 0.69% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS, LLC | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | $8 | $56 | 0.55% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 48 | $38K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $67K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $67K |
| Prescription drug(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 48 | $38K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 48 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.