| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $35K | $2K | $37K | 12.34% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $23K | $1K | $24K | 14.19% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $13K | $852 | $14K | 10.30% |
| SEACREST PARTNERS, INC.3 | 3565 PIEDMONT ROAD ATLANTA, GA 30305 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 8.32% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $2K | $144 | $2K | 10.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | ONE GLENDALE PKWY, SUITE 1100 ATLANTA, GA 30328 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $449 | $83 | $532 | 2.35% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $2K | $108 | $2K | 12.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | ONE GLENDALE PKWY, SUITE 1100 ATLANTA, GA 30328 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $580 | $48 | $628 | 3.59% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $1K | $95 | $1K | 8.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | ONE GLENDALE PKWY, SUITE 1100 ATLANTA, GA 30328 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $224 | $50 | $274 | 1.81% |
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 | 1,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,606 | $127K |
| Life insurance(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,012 | $184K |
| Short-term disability(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 615 | $323K |
| Long-term disability(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,011 | $154K |
| Other(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,012 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,606 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.