| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 6.05% |
| SEACREST PARTNERS, INC.3 | P.O. BOX 8004 SAVANNAH, GA 31404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.30% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $928 | $5K | 7.99% |
| SEACREST PARTNERS, INC.3 | P.O. BOX 8004 SAVANNAH, GA 31404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.84% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $722 | $4K | 7.99% |
| SEACREST PARTNERS, INC.3 | P.O. BOX 8004 SAVANNAH, GA 31404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $825 | — | $825 | 1.84% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $714 | $246 | $960 | 6.12% |
| SEACREST PARTNERS, INC.3 | P.O. BOX 8004 SAVANNAH, GA 31404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $197 | — | $197 | 1.26% |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 658 | $249K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 505 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $58K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 671 | $552K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.