| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC3 | 8731 RED OAK BLVD CHARLOTTE, NC 28217 | UNIMERICA INSURANCE COMPANY | $4K | — | $4K | 1.48% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | COMPBENEFITS | $487 | — | $487 | 4.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STERLING RISK ADVISORS EIN 45-0491669 BROKER FREE | Insurance services; Insurance agents and brokers Service code 22 | — | $57K |
| HEALTHGRAM INC EIN 56-1449504 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Plan Administrator; Contract Administrator Service code 12 | — | $46K |
| CIGNA EIN 59-1031071 NETWORK ACCESS | Other insurance fees and expenses; Other investment fees and expenses Service code 72 | — | $26K |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPBENEFITS | 101 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $16K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 164 | $278K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.