| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED HEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 4.17% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | GUARDIAN | $19K | $3K | $22K | 12.93% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 S. THIRD STREET COLUMBUS, OH 43215 | GUARDIAN | -$2K | — | -$2K | -0.91% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 N. MARKET STREET WILMINGTON, DE 19801 | GUARDIAN | -$4K | — | -$4K | -2.22% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.31% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $918 | $6K | 17.69% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $713 | $4K | 18.44% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $351 | $3K | 17.34% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 311 | $1.5M |
| Dental | GUARDIAN | 181 | $169K |
| Vision | GUARDIAN | 181 | $169K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $21K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 216 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.