| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | PO BOX 724137 ATLANTA, GA 31139 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $37K | $0 | $37K | 4.04% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 1001 WHITAKER STREET SAVANNAH, GA 31401 | GUARDIAN INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET SAVANNAH, GA 31404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| SEACREST PARTNERS, INC.3 | 1001 WHITAKER STREET PO BOX 8004 SAVANNAH, GA 31404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 160 | $923K |
| Dental | GUARDIAN INSURANCE COMPANY | 133 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.