| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $126K | $126K | 4.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $10K | $10K | 0.40% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$354 | -$354 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $5K | $51K | 10.89% |
| NATIONAL INSURANCE SERVICES3 | 300 NORTH CORPORATE DRIVE SUITE 300 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 5.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $389 | $4K | 0.87% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 12.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $33 | $9K | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $971 | $971 | 0.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $758 | $0 | $758 | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $76 | $76 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | UNUM INSURANCE COMPANY | $5K | $793 | $6K | 8.79% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | UNUM INSURANCE COMPANY | $1K | $481 | $2K | 2.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $608 | $81 | $689 | 0.96% |
| VELOCITY BENEFITS3 | 119 NORTHBROOKE TRACE WOODSTOCK, GA 30188 | UNUM INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
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 | 423 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $101K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $471K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $471K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $471K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $2.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.