| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $7K | $44K | 12.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | PO BOX 724137 ATLANTA, GA 31139 | STARMOUNT LIFE INSURANCE COMPANY | $44K | $5K | $49K | 20.76% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | PO BOX 724137 ATLANTA, GA 31139 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 9.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $6K | $763 | $7K | 6.82% |
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 | 540 | 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) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 384 | $235K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 384 | $235K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $363K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $363K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $363K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
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.