| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC3 Filed as: HEALTHGRAM, INC. | 8731 RED OAK BLVD CHARLOTTE, NC 28217 | UNIMERICA INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 1001 WHITAKER STREET SAVANNAH, GA 31410 | UNIMERICA INSURANCE COMPANY | $12K | — | $12K | 4.00% |
| SEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY, SUITE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 9.91% |
| SEACREST PARTNERS, INC.3 | 2500 CUMBERLAND PKWY, SUITE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 13.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM,INC EIN 56-1449504 ADMINISTRATION | Contract Administrator Service code 13 | P.O BOX 11088 CHARLOTTE, NC 28220 | $45K |
| MEMORIAL HEALTH PARTNERS EIN 58-1707311 PPO FEE | Other insurance fees and expenses Service code 73 | P.O. BOX 11088 CHARLOTTE, NC 28220 | $8K |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 146 | $293K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $110K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $27K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.