| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCR FINANCIAL SERVICES INC3 | 100 RIVERVIEW DR STE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 17.00% |
| STANLEY R DOMINEY3 Filed as: STANLEY DOMINEY | PO BOX 23058 JACKSONVILLE, FL 32241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASS MUTUAL LIFE INS CO | 1295 STATE ST MIP W006 SPRINGFIELD, MA 01111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $665 | $665 | 1.00% |
| RCR FINANCIAL SERVICES INC3 | 100 RIVERVIEW DRIVE STE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| STANLEY R DOMINEY3 | PO BOX 23058 JACKSONVILLE, FL 32241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| RCR FINANCIAL SERVICES INC3 Filed as: RCR FINANCIAL SERVICES | 100 RIVERVIEW DRIVE STE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| RCR FINANCIAL SERVICES INC3 Filed as: RCR FINANCIAL SERVICES | 100 RIVERVIEW DRIVE STE 204 SAVANNAH, GA 31404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | PO BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $3K | — | $3K | 9.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 | Plan Administrator Service code 14 | — | $94K |
| STERLING SEACREST PARTNERS EIN 45-0491669 | Insurance agents and brokers Service code 22 | — | $59K |
| CIGNA EIN 59-1031071 | Claims processing Service code 12 | — | $28K |
| TELADOC EIN 04-3705970 | Plan Administrator Service code 14 | — | $6K |
| MHP EIN 58-1707311 | Claims processing Service code 12 | — | $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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 279 | $173K |
| Vision | EYEMED VISION CARE | 387 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $81K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $66K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 279 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.