| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 8.97% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $54 | $7K | 10.79% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS GROUP, INC. | 11705 NW 82ND COURT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $198 | $0 | $198 | 4.25% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 2.47% |
| GUILLEN NAYELIN3 | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 1.44% |
| OLIVERA GARY3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.56% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $256K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $63K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $63K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $67K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 5 | $5K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $256K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.