| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC. | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $30K | $6K | $35K | 4.96% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | P.O. BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $581 | $4K | 4.56% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $575 | $5K | 7.18% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC. | P.O. BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $117 | $3K | 15.91% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS, INC. | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $2K | $564 | $2K | 15.84% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $80K |
| Vision | HUMANA INSURANCE COMPANY | 134 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 38 | $21K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $95K |
| Other(3 contracts, 3 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 134 | $797K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.