| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 4.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 1.46% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD, SUITE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.41% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 10.36% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | VSP VISION CARE | $1K | $0 | $1K | 8.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | VSP VISION CARE | $387 | $0 | $387 | 2.58% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VSP VISION CARE | $8 | $0 | $8 | 0.05% |
| KAYLIE A LING3 Filed as: KAYLIE A LING AND OTHER AGENTS | 243 TAMARACK DRIVE MARS, PA 16046 | AFLAC | $1K | $5 | $1K | 9.57% |
| YONASAN ABRAHAM3 | 1 SPRINGBROOK DRIVE JACKSON, NJ 08527 | AFLAC | $1K | $0 | $1K | 8.97% |
| SYDNEY M GRUBBS3 | 407 HARE LANE SEWICKLEY, PA 15143 | AFLAC | $901 | $6 | $907 | 7.09% |
| BRAIN W PATTEN3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $829 | $4 | $833 | 6.52% |
| SATS LLC3 | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | AFLAC | $653 | $0 | $653 | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 77 SPRUCE STREET, SUITE 203 CEDARHURST, NY 11516 | AFLAC | $330 | $0 | $330 | 2.58% |
| JEFFREY M SATTERLEE3 | 4351 JAGER DRIVE NE SUITE B RIO RANCHO, NM 87144 | AFLAC | $301 | $0 | $301 | 2.35% |
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 | 74 | 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) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 62 | $561K |
| Dental | DELTA DENTAL OF MICHIGAN | 176 | $88K |
| Vision | VSP VISION CARE | 98 | $15K |
| Life insurance | AFLAC | 14 | $13K |
| Short-term disability | AFLAC | 14 | $13K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 62 | $561K |
| Other | AFLAC | 14 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.