| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $100K | $0 | $100K | 3.40% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $42K | $0 | $42K | 1.42% |
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | ANTHEM BLUE CROSS AND BLUE SHIELD | $15K | $0 | $15K | 4.74% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS AND BLUE SHIELD | $7K | $0 | $7K | 2.06% |
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $92 | $14K | 10.37% |
| MCCAREY INC3 Filed as: MCCAREY, LLC | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $3K | $14K | 9.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $735 | $7K | 5.05% |
| EDUARDO TUCTO3 | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.42% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.28% |
| EMANUEL JULIAN ASURZA3 | 10445 ATLANTIC AVENUE RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 3.57% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LA ROAD SURPRISE, AZ 85279 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $94 | $2K | 1.16% |
| SATS LLC3 Filed as: SATS, LLC | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.33% |
| MCCAREY INC3 Filed as: MCCAREY, LLC | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.64% |
| GURDEEP K. SOKHEY3 | 1837 STUYVESANT AVENUE EAST MEADOW, NY 11554 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.32% |
| WALTER THOMAS BONILLA3 Filed as: WALTER THOMAS BONILLA & OTHERS | 9 LONGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $346 | $2K | 2.94% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.72% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $875 | $0 | $875 | 1.60% |
| MICHEL ALEXANDER AUBERTIN3 | 135 WILLOWBROOK ROAD, 2ND FLOOR STATEN ISLAND, NY 10302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $874 | $0 | $874 | 1.60% |
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 | 610 | 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) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 440 | $3.1M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 440 | $3.0M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 440 | $3.0M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 610 | $515K |
| Short-term disability | ANTHEM BLUE CROSS AND BLUE SHIELD | 610 | $322K |
| Long-term disability | ANTHEM BLUE CROSS AND BLUE SHIELD | 610 | $322K |
| Prescription drug(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 440 | $3.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 163 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.