| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE STE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $12K | — | $12K | 1.71% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $6K | — | $6K | 1.68% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | — | $54K | 15.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 12404 PARK CENTRAL DR STE 4005 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 5.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.44% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.50% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 10.31% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN INC. | 950 EAST PACES FERRY RD NE STE 2000 ATLANTA, GA 30309 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 20.07% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | P.O. BOX 111 AMHERST, NY 14226 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD STE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $286 | — | $286 | 1.55% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $127 | — | $127 | 1.57% |
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $604 | — | $604 | 14.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ELEVANCE HEALTH, INC. EIN 54-0357120 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $291K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $242K |
| BUCK GLOBAL LLC EIN 13-3954297 NONE | Investment management; Direct payment from the plan Service code 28 | — | $52K |
| LJ MOSBY, P.C. EIN 84-1656069 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| THE ESI OPERATING COMPANY EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $34K |
| TRUIST BANK EIN 62-1644863 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $20K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $18K |
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 | 856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UNITEDHEALTHCARE OF WISCONSIN, INC. | 204 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 337 | $55K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 985 | $146K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 421 | $265K |
| Prescription drug(4 contracts) | UNITEDHEALTHCARE OF WISCONSIN, INC. | 204 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $354K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 985 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.