| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | METROPOLITAN LIFE INSURANCE CO | $45K | $6K | $51K | 5.67% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $51K | $8K | $59K | 15.26% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31K | $4K | $35K | 15.78% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $6K | — | $6K | 4.71% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 31401 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $14 | — | $14 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $693K |
| ENVISION RX EIN 90-1011712 CLAIMS PROCESSING | Claims processing Service code 12 | 2181 E AURORA RD., SUITE 201 TWINSBURG, OH 44087 | $107K |
| 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 | — | $31K |
| LINCOLN LIFE ASSURANCE COMPANY EIN 04-6076039 ADMINISTRATIVE SERVICES | Insurance services; Claims processing; Contract Administrator Service code 12 | — | $27K |
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 | 2,352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CO | 2,352 | $908K |
| Vision | EYEMED VISION CARE | 1,680 | $137K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,612 | $386K |
| Short-term disability | LIBERTY LIFE ASSURANCE CO OF BOSTON | 1 | $0 |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,528 | $224K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,285 | $1.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 22 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,352 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.