| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 1001 WHITAKER ST. SAVANNAH, GA 31401 | COMPANION LIFE INSURANCE | $40K | — | $40K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.27% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | THE STANDARD INSURANCE COMPANY | $11K | — | $11K | 15.27% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 1001 WHITAKER ST. SAVANNAH, GA 31401 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| THOMAS W BLALOCK3 | 690 BUTTERMILD RD. BLOUTVILLE, TN 37617 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $397 | — | $397 | 6.53% |
| ANDREW L MOORE3 | 4695 MACARTHUR CR STE 1000 NEWPORT BEACH, CA 926601865 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $39 | — | $39 | 0.64% |
| JAMES MASON HEIDT3 | 7393 HODGSON MEMORIAL SR STE 201 SAVANNAH, GA 31406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| JOYCE HERNDON-GARVIN3 Filed as: JOYCE HERNDON-GAVIN | 18 HANGING MOSS RD. SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| BRENDA GAIL PATE3 | 12050 LAKESHORE WAY OXFORD, FL 34484 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| LISA RILEY STICKLAND3 | 145 RIVER LANDING DRIVE POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES INC | 9795 GATEWAY DR. RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| SISCO | — | SISCO | — | $39K | $39K | — |
| SISCO | — | CIGNA/GREAT WEST HEALTH | — | $15K | $15K | — |
| TELEDOC | — | TELEDOC | — | $2K | $2K | — |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 1001 WHITAKER ST. SAVANNAH, GA 31401 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $57 | $7K | — |
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 | 73 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP. | 76 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 96 | $77K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 96 | $75K |
| Prescription drug | RXBENEFITS, INC. | 84 | $0 |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 81 | $266K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 84 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.