| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCR FINANCIAL SERVICES INC3 | 100 RIVERVIEW DRIVE SUITE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 17.00% |
| STANLEY R DOMINEY3 Filed as: STANLEY ROGER DOMINEY | PO BOX 23058 JACKSONVILLE, FL 32241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $871 | $871 | 2.00% |
| MASS MUTUAL FINANCIAL GROUP3 | 1295 STATE ST MIP W066 SPRINGFIELD, MA 01111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $435 | $435 | 1.00% |
| RCR FINANCIAL SERVICES INC3 | 100 RIVERVIEW DRIVE SUITE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| STANLEY R DOMINEY3 Filed as: STANLEY ROGER DOMINEY | PO BOX 23058 JACKSONVILLE, FL 32241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $783 | $783 | 2.00% |
| RCR FINANCIAL SERVICES INC3 | 100 RIVERVIEW DRIVE SUITE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| RCR FINANCIAL SERVICES INC3 | 100 RIVERVIEW DRIVE SUITE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | PO BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $2K | — | $2K | 10.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | — | $61K |
| MEDCOST EIN 22-2360010 CONSULTANT | Consulting (general) Service code 16 | — | $5K |
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 | 208 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 204 | $134K |
| Vision | EYEMED VISION CARE | 238 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $44K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.