| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.00% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WASSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANIES | — | $98K | $98K | 3.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 5775 GLENRIDGE DR STE E500 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 1.49% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.75% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 11.25% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.75% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 11.25% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.75% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.20% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.07% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.25% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC | PO BOX 724127 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $987 | — | $987 | 3.75% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.25% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $767 | — | $767 | 3.75% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE OF AMERICA | $99 | — | $99 | 0.75% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | FIRST UNUM LIFE INSURANCE OF AMERICA | $43 | — | $43 | 0.75% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | — | $175 | 13.17% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58 | — | $58 | 4.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $2.4M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Contract Administrator Service code 13 | 2211 CONGRESS STREET PORTLAND, ME 041220002 | $126K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 PLAN ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | PO BOX 44347 MADISON, WI 53744 | $68K |
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 | 4,716 | 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) | 4,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,317 | $5.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 10,317 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,601 | $2.5M |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 32 | $13K |
| Long-term disability(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,963 | $1.7M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,413 | $6.5M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,601 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,317 | — |
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.