| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC. Filed as: SEACREST PARTNERS | 1001 WHITAKER STREET SAVANNAH, GA 31401 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. (G0386) | $43K | $0 | $43K | 5.59% |
| SEACREST PARTNERS, INC. Filed as: SEACREST PARTNERS | 1001 WHITAKER STREET SAVANNAH, GA 31401 | GUARDIAN | $13K | $1K | $14K | 12.42% |
| NATIONAL BENEFIT CENTER Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | GUARDIAN | $956 | $0 | $956 | 0.82% |
| ASSUREX Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | GUARDIAN | $671 | $0 | $671 | 0.58% |
| ASHFORD ADVISORS INC Filed as: ASHFORD ADVISORS | TWO RAVINIA DRIVE SUITE 750 ATLANTA, GA 30346 | GUARDIAN | $149 | — | $149 | 0.13% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. (G0386) | 125 | $767K |
| Dental | GUARDIAN | 114 | $117K |
| Vision | GUARDIAN | 114 | $117K |
| Life insurance | GUARDIAN | 114 | $117K |
| Long-term disability | GUARDIAN | 114 | $117K |
| Other | GUARDIAN | 114 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.