| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | STE 400 2500 CUMBERLAND PKWY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $41 | $41 | 0.03% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $142 | $142 | 0.12% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 314016432 | AMERITAS LIFE INSURANCE CORP. | $791 | $443 | $1K | 7.81% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $108 | $3K | 25.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DR NE ATLANTA, GA 30319 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $58 | $1K | 9.07% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $49 | $2K | 32.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DR NE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $22 | $363 | 7.21% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.83% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METLIFE LEGAL PLANS | $261 | — | $261 | 8.57% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METLIFE LEGAL PLANS | $0 | $142 | $142 | 4.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | $0 | $13 | $13 | 0.43% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METLIFE LEGAL PLANS | $0 | $10 | $10 | 0.33% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $12K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 403 | $114K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 376 | $16K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 345 | $152K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 345 | $147K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 345 | $147K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 345 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
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.