| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLINGSEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $64K | $79K | 5.14% |
| STERLINGSEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $243 | $7K | 15.55% |
| STERLINGSEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $150 | $6K | 15.41% |
| STERLINGSEACREST PARTNERS, INC.3 Filed as: STERLINGSEACREST PARTNERS,INC. | 1001 WHITAKER STREET SAVANNAH, GA 31401 | GUARDIAN | $5K | — | $5K | 19.92% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS | ONE RAVINA DRIVE ATLANTA, GA 30346 | GUARDIAN | $104 | — | $104 | 0.40% |
| STERLINGSEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $159 | $3K | 15.79% |
| STERLINGSEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $72 | $2K | 15.55% |
| STERLINGSEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $543 | $20 | $563 | 15.55% |
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 | 183 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 351 | $1.5M |
| Dental | GUARDIAN | 56 | $26K |
| Vision | GUARDIAN | 56 | $26K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $20K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 183 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.