| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | COMPANION LIFE INSURANCE COMPANY | $31K | — | $31K | 15.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $912 | $13K | 11.08% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $756 | $4K | 12.67% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $771 | $8K | 27.72% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $652 | $4K | 17.70% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $530 | $3K | 12.61% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | EYEMED VISION CARE | $2K | — | $2K | 9.98% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $391 | $2K | 12.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 NONE | Contract Administrator Service code 13 | — | $75K |
| PROCARE PHARMACY BENEFIT MANAGER IN EIN 58-2422694 NONE | Direct payment from the plan Service code 50 | 1267 PROFESSIONAL PARKWAY GAINESVILLE, GA 30507 | $17K |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $120K |
| Vision | EYEMED VISION CARE | 265 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $28K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $35K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 210 | $208K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.