| 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 | $14K | $5K | $18K | 17.55% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | METROPOLITAN LIFE INSURANCE CO | $509 | $29 | $538 | 0.51% |
| SEACREST PARTNERS, INC.4 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 314016432 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 10.00% |
| SEACREST PARTNERS, INC. Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 314016432 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | — | $6K | 25.00% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 15.00% |
| SEACREST PARTNERS, INC.4 Filed as: SEACREST PARTNERS, INC | PO BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $2K | — | $2K | 10.02% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 NONE | Contract Administrator Service code 13 | — | $31K |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CO | 317 | $105K |
| Vision | EYEMED VISION CARE | 224 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 252 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 68 | $17K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE CO | 181 | $181K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 252 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.