| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLINGSEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $2K | $63K | 11.84% |
| STERLINGSEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 9.91% |
| STERLINGSEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| STERLINGSEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| STERLINGSEACREST PARTNERS, INC.3 Filed as: STERLINGSEACREST PARTNERS,INC. | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | GUARDIAN | $7K | $1K | $8K | 23.88% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS | ONE RAVINA DRIVE ATLANTA, GA 30346 | GUARDIAN | $132 | — | $132 | 0.40% |
| STERLINGSEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| STERLINGSEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| STERLINGSEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $505 | — | $505 | 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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $530K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $124K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $124K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $79K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $26K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 182 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.