| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | P.O. BOX 8004 SAVANNAH, GA 31412 | METROPOLITAN LIFE INSURANCE CO | $40K | $5K | $45K | 5.18% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $40K | $5K | $45K | 15.44% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $25K | $4K | $28K | 15.59% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | P.O. BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $5K | — | $5K | 4.17% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 1001 WHITAKER STREET SAVANNAH, GA 31401 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.37% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | CIGNA HEALTH AND LIFE INSURANCE | $968 | — | $968 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $611K |
| SEACREST PARTNERS, INC. EIN 20-4096383 BROKER | Other commissions Service code 55 | PO BOX 8004 SAVANNAH, GA 31412 | $55K |
| LIBERTY LIFE ASSURANCE COMPANY EIN 04-6076039 ADMINISTRATIVE SERVICES | Insurance services; Contract Administrator; Claims processing Service code 12 | — | $55K |
| ENVISION RX EIN 90-1011712 CLAIMS PROCESSING | Claims processing Service code 12 | 2181 E. AURORA RD, SUITE 201 TWINSBURG, OH 44087 | $37K |
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 | 2,277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2 | $42K |
| Dental | METROPOLITAN LIFE INSURANCE CO | 2,277 | $867K |
| Vision | EYEMED VISION CARE | 1,618 | $126K |
| Life insurance | LIBERTY LIFE ASSURANCE CO OF BOSTON | 1,468 | $293K |
| Long-term disability | LIBERTY LIFE ASSURANCE CO OF BOSTON | 1,394 | $182K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,236 | $568K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 22 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,277 | — |
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.