| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | COMPANION LIFE INSURANCE COMPANY | $27K | — | $27K | 14.53% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $731 | $12K | 10.62% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.22% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $917 | $4K | 13.30% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $817 | $7K | 28.21% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $752 | $4K | 18.36% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | EYEMED VISION CARE | $2K | — | $2K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, INC EIN 59-1392505 NONE | Contract Administrator Service code 13 | — | $32K |
| PROCARE PHARMACY BENEFIT MANAGER IN NONE | Direct payment from the plan Service code 50 | 1267 PROFESSIONAL PARKWAY GAINESVILLE, GA 30507 | $7K |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $111K |
| Vision | EYEMED VISION CARE | 225 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $32K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 181 | $188K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.