| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $49K | — | $49K | 14.65% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | DELTA DENTAL INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $20K | — | $20K | 14.59% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | 2500 CUMBERLAND PARKWAY SUITE 400 MARIETTA, GA 30339 | EYEMED VISION CARE | $4K | — | $4K | 10.01% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 NETWORK PHARM MARGIN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other fees; Other services Service code 12 | — | $605K |
| STERLING RISK ADVISORS INC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $110K |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 962 | $294K |
| Vision | EYEMED VISION CARE | 647 | $40K |
| Life insurance | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 339 | $331K |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 339 | $9K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 358 | $134K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 739 | $434K |
| Other | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 339 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.