| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 303390000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $37K | $46K | 4.05% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 311391137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 9.01% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $387 | $2K | 15.24% |
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 303390000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $996 | $308 | $1K | 19.63% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $7K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 26 | $16K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $82K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.