| 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 | $6K | $81 | $6K | 3.81% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $465 | $3K | 1.76% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $250 | $250 | 0.16% |
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 31139 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 16.22% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC. | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.50% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | UNKNOWN CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $163 | $0 | $163 | 0.20% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $155K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $81K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $81K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $81K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.