| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 1001 WHITAKER STREET SAVANNAH, GA 31401 | HCC LIFE INSURANCE COMPANY | — | $35K | $35K | 19.90% |
| INTEGRA EMPLOYER HEALTH LLC5 Filed as: INTEGRA EMPLOYER HEALTH, LLC | — | HCC LIFE INSURANCE COMPANY | — | $31K | $31K | 17.68% |
| MEDCOST BENEFIT SERVICES3 Filed as: MEDCOST, INC. | — | HCC LIFE INSURANCE COMPANY | — | $7K | $7K | 4.08% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.49% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.94% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.71% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 126 | $240K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $59K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $29K |
| Prescription drug(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 126 | $240K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 126 | $240K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.