| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY, STE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY, STE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 | 1001 WHITAKER ST SAVANNAH, GA 31401 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 | Plan Administrator Service code 14 | — | $370K |
| CIGNA CORPORATION EIN 59-1031071 | Consulting (general) Service code 16 | — | $93K |
| STERLING SEACREST PARTNERS INC. EIN 45-0491669 | Insurance agents and brokers Service code 22 | — | $45K |
| RXBENEFITS, INC. EIN 63-1157085 | Consulting (general) Service code 16 | — | $14K |
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 | 1,025 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,206 | $132K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,183 | $557K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,183 | $781K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,119 | $179K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,025 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,206 | — |
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.