| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 9.10% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | ONE ATLANTA PLAZA, STE 2000 950 EAST PACES FERRY RD. NE ATLANTA, GA 30326 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.69% |
| PRITCHARD & JERDEN INC3 | 2500 CUMBERLAND PARKWAY SE STE 400 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 669 RIVER DRIVE CENTER II #305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 4.50% |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 510 | $31K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $443K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $443K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.