| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRTICHARD | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $42K | $66K | 29.54% |
| HOWARD B LABOW3 Filed as: HOWARD B LABROW | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 14.06% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 13.18% |
| KRYSTYN BALDWIN SHERMAN3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $656 | — | $656 | 0.60% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 0.24% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 17.71% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 17.43% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$4 | — | -$4 | -0.01% |
| KRYSTYN BALDWIN SHERMAN3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$7 | — | -$7 | -0.01% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 18.94% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.87% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITR 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$4 | — | -$4 | -0.01% |
| KRYSTYN BALDWIN SHERMAN3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$5 | — | -$5 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $230K |
| STERLING SEACREST PRITCHARD EIN 45-0491669 BROKER | Other commissions Service code 55 | — | $80K |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 657 | $225K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 313 | $109K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 657 | $225K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 657 | $225K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 99 | $302K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 197 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.