| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN | 950 EAST PACES FERRY RD NE STE. 2000 ATLANTA, GA 30326 | DELTA DENTAL | $39K | $0 | $39K | 10.43% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY RD NE STE. 2000 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY RD NE STE. 2000 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY RD NE STE. 2000 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY ROAD NE SUITE 2000 ATLANTA, GA 30326 | UNUM INSURANCE COMPANY | $9K | $2K | $11K | 17.50% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY RD NE STE. 2000 ATLANTA, GA 30326 | EYEMED VISION CARE | $4K | $0 | $4K | 6.38% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | PO BOX 724137 ATLANTA, GA 31139 | PROVIDENT LIFE AND ACCIDENTINSURANCE COMPANY | $32K | $3K | $35K | 67.85% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENTINSURANCE COMPANY | $0 | $2K | $2K | 4.78% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY ROAD NE SUITE 2000 ATLANTA, GA 30326 | UNUM INSURANCE COMPANY | $5K | $777 | $5K | 17.50% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY ROAD NE SUITE 2000 ATLANTA, GA 30326 | UNUM INSURANCE COMPANY | $4K | $656 | $5K | 19.37% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,226 | $373K |
| Vision | EYEMED VISION CARE | 1,092 | $58K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 630 | $245K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 630 | $104K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 630 | $106K |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 630 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,226 | — |
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.