| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | UNIMERICA INUSRANCE COMPANY | $26K | — | $26K | 3.99% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $603 | $603 | 0.59% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $502 | $502 | 0.55% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.00% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER STREET SAVANNAH, GA 31401 | AMERITAS LIFE INSURANCE CORP. | $266 | — | $266 | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | P.O. BOX 11088 CHARLOTTE, NC 28220 | $213K |
| STERLING SEACREST PARTNERS EIN 45-0491669 | Insurance agents and brokers Service code 22 | 1001 WHITAKER STREET SAVANNAH, GA 31401 | $60K |
| CIGNA EIN 59-1031071 CONSULTANT | Consulting (general) Service code 16 | P.O. BOX 11088 CHARLOTTE, NC 28220 | $33K |
| PROCARE PHARMACY BENEFIT MANAGER IN EIN 58-2422694 N/A | Direct payment from the plan Service code 50 | 1267 PROFESSIONAL PARKWAY GAINESVILLE, GA 30507 | $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 | 761 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INUSRANCE COMPANY | 771 | $643K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 489 | $50K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,018 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 646 | $103K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,018 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.