| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 5.74% |
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.26% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $360 | $360 | 0.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1020 DRAYTON ST STE 200 SAVANNAH, GA 314016535 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $8K | $9K | 6.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $15K | $3K | $18K | 19.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-KENNESAW | 1825 BARRETT LAKES BLVD STE 320 KENNESAW, GA 301447570 | HUMANA INSURANCE COMPANY | $481 | — | $481 | 0.53% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $33 | $2K | 10.18% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $394 | — | $394 | 1.61% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR # 1800 GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.20% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 21 | $158K |
| Dental | HUMANA INSURANCE COMPANY | 120 | $90K |
| Vision | HUMANA INSURANCE COMPANY | 120 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $25K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $185K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $185K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.