| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | — | BEACON RISK STRATEGIES LC | $94K | — | $94K | 27.89% |
| TELADOC5 | — | BEACON RISK STRATEGIES LC | — | $9K | $9K | 2.68% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.25% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $673 | $1K | $2K | 4.88% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.28% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 5.81% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 21.20% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 8.11% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.24% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $490 | $996 | $1K | 5.32% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | PO BOX 8004 SAVANNAH, GA 314128004 | EYEMED VISION CARE | $2K | — | $2K | 10.09% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.15% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $241 | $637 | $878 | 6.74% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | — |
| ASSUREDPARTNERS4 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $520 | $6K | — |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $542 | $6K | — |
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 | 350 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 350 | $0 |
| Vision | EYEMED VISION CARE | 273 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $39K |
| Long-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $74K |
| Prescription drug | RXBENEFITS INC | 234 | $391K |
| Stop-loss / reinsurancereinsurance | BEACON RISK STRATEGIES LC | 229 | $339K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.