| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT ST WAUSAU, WI 54403 | NATIONWIDE LIFE INSURANCE COMPANY | $131K | — | $131K | 34.78% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | NATIONWIDE LIFE INSURANCE COMPANY | $49K | — | $49K | 12.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | NATIONWIDE LIFE INSURANCE COMPANY | $21K | — | $21K | 5.68% |
| CLYDE K. HULL, SR.3 | 7505 WATERS AVE. SUITE C8 SAVANNAH, GA 31406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.58% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $478 | — | $478 | 0.42% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITIAN LIFE INSURANCE COMPANY | $7K | $66 | $7K | 6.49% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER ST. SAVANNAH, GA 31401 | BLUE CROSS BLUE SHIELD HEALTH CARE PLAN OF GEORGIA, INC. | $3K | — | $3K | — |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTH CARE PLAN OF GEORGIA, INC. | 0 | $0 |
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 221 | $114K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 221 | $114K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $227K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $114K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 146 | $378K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.