| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $91K | — | $91K | 5.44% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $563 | $7K | 16.38% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2550 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $482 | $7K | 16.19% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 25.34% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $411 | $6K | 16.14% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | 2500 CUM ERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 65.10% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | — | $305 | 1.18% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 1.17% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | P O BOX 1801 CUMMIN, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $946 | $3K | 13.29% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $130 | $2K | 16.34% |
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 | 254 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 495 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 495 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $36K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.