| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 2500 CUMBERLAND PARKWAY SE SUITE 400 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $96K | $96K | 5.52% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $248 | $6K | 18.92% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 2500 CUMBERLAND PARKWAY SE SUITE 400 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 12.82% |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $1.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 232 | $102K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 308 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $30K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.