| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC0 Filed as: INTEGRA EMPLOYER HEALTH, LLC | — | TOKIOMARINE HCC/HCC LIFE SERVICES | — | $37K | $37K | 9.82% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | — | TOKIOMARINE HCC/HCC LIFE SERVICES | $26K | — | $26K | 6.93% |
| MEDCOST BENEFIT SERVICES0 Filed as: MEDCOST, INC. | — | TOKIOMARINE HCC/HCC LIFE SERVICES | — | $6K | $6K | 1.66% |
| TELADOC0 | — | TOKIOMARINE HCC/HCC LIFE SERVICES | — | $2K | $2K | 0.55% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | RX BENEFITS, INC. | $1K | — | $1K | 0.57% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $760 | — | $760 | 15.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $546 | — | $546 | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $230 | — | $230 | 15.02% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $11K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $5K |
| Prescription drug | RX BENEFITS, INC. | 90 | $207K |
| Stop-loss / reinsurancereinsurance | TOKIOMARINE HCC/HCC LIFE SERVICES | 90 | $378K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.