| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW SUITE 475 ATLANTA, GA 303052206 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 1.25% |
| SEACREST PARTNERS, INC.3 | PO BOX 8004 SAVANNAH, GA 314128004 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $791 | $8K | 0.89% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.84% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $53K | $4K | $57K | 14.58% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS, INC. | 1640 POWERS FERRY RD. 28 MARIETTA, GA 30067 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 1.27% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE SUITE 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $23K | $2K | $26K | 10.83% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 1640 POWERS FERRY RD. 28 MARIETTA, GA 30067 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 1.28% |
| SEACREST PARTNERS, INC.3 | PO BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $5K | — | $5K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW 475 ALTANTA, GA 30305 | EYEMED VISION CARE | $2K | — | $2K | 1.72% |
| SEACREST PARTNERS, INC.3 | 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 | PO BOX 1087 WAUSAU, WI 544021087 | $765K |
| ENVISION RX EIN 90-1011712 CLAIMS PROCESSING | Claims processing Service code 12 | 2181 E. AURORA RD, 201 TWINSBURG, OH 44087 | $79K |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 ADMINISTRATIVE SERVICES | Insurance services; Claims processing; Contract Administrator Service code 12 | — | $59K |
| SEACREST PARTNERS, INC. EIN 20-4096383 BROKER | Other commissions Service code 55 | PO BOX 8004 SAVANNAH, GA 31412 | $37K |
| PALMER & CAY LLC EIN 27-2182440 BROKER | Other commissions Service code 55 | 3050 PEACHTREE RD NW 475 ATLANTA, GA 30305 | $18K |
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 | 2,437 | 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) | 2,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,437 | $932K |
| Vision | EYEMED VISION CARE | 1,827 | $143K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,632 | $393K |
| Short-term disability | LIBERTY LIFE ASSURANCE CO OF BOSTON | 1 | $0 |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,556 | $236K |
| Stop-loss / reinsurancereinsurance | EXCESS RISK - IRONSHORE INDEMNITY | 1,358 | $1.1M |
| Other | AETNA LIFE INSURANCE COMPANY | 20 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,437 | — |
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.