| 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 | $47K | $3K | $50K | 13.48% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $31K | $2K | $33K | 15.41% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $17K | $1K | $19K | 11.44% |
| SEACREST PARTNERS, INC.3 | 3565 PIEDMONT ROAD ATLANTA, GA 30305 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.82% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $4K | $200 | $4K | 19.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | ONE GLENDALE PKWY, SUITE 1100 ATLANTA, GA 30328 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | -$1K | — | -$1K | -4.92% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $4K | $150 | $4K | 22.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | ONE GLENDALE PKWY, SUITE 1100 ATLANTA, GA 30328 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | -$998 | — | -$998 | -6.03% |
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUITE 301 SAVANNAH, GA 31404 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $2K | $134 | $2K | 15.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | ONE GLENDALE PKWY, SUITE 1100 ATLANTA, GA 30328 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | -$549 | — | -$549 | -3.84% |
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 | 1,253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,841 | $135K |
| Life insurance(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,176 | $229K |
| Short-term disability(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 740 | $395K |
| Long-term disability(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,171 | $178K |
| Other(2 contracts) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,176 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,841 | — |
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.