| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | METROPOLITAN LIFE INSURANCE CO | $48K | $12K | $59K | 6.71% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $54K | $6K | $60K | 18.26% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $35K | $4K | $38K | 19.23% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | P.O. BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $7K | — | $7K | 4.99% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS | 1001 WHITAKER STREET SAVANNAH, GA 31401 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.43% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $20 | $2 | $22 | 19.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $716K |
| ENVISION RX EIN 90-1011712 CLAIMS PROCESSING | Claims processing Service code 12 | 2181 E. AURORA RD, SUITE 201 TWINSBURG, OH 44087 | $57K |
| LIBERTY LIFE ASSURANCE COMPANY EIN 04-6076039 ADMINISTRATIVE SERVICES | Contract Administrator; Claims processing; Insurance services Service code 12 | — | $56K |
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 | 2,282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 4 | $42K |
| Dental | METROPOLITAN LIFE INSURANCE CO | 2,282 | $886K |
| Vision | EYEMED VISION CARE | 1,633 | $140K |
| Life insurance | LIBERTY LIFE ASSURANCE CO OF BOSTON | 1,565 | $328K |
| Short-term disability | LIBERTY LIFE ASSURANCE CO OF BOSTON | 1 | $114 |
| Long-term disability | LIBERTY LIFE ASSURANCE CO OF BOSTON | 1,488 | $200K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,271 | $580K |
| Other | AETNA LIFE INSURANCE COMPANY | 22 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,282 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.