| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 91401 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 4.00% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | GUARDIAN | $19K | — | $19K | 11.52% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 N. MARKET STREET WILMINGTON, GA 19801 | GUARDIAN | $4K | — | $4K | 2.25% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 S. THIRD STREET COLUMBUS, OH 43215 | GUARDIAN | $2K | — | $2K | 0.92% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $1.3M |
| Dental | GUARDIAN | 183 | $167K |
| Vision | GUARDIAN | 183 | $167K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $19K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 227 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.