| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 | 100 RIVERVIEW DRIVE, SUIT 301 SAVANNAH, GA 31404 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $115K | $12K | $127K | 12.66% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS, INC. | 1640 POWERS FERRY ROAD, SUITE 28 MARIETTA, GA 30067 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $0 | $5K | 0.51% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 3565 PIEDMONT ROAD NE ATLANTA, GA 30305 | EYEMED VISION CARE | $15K | $0 | $15K | 8.88% |
| ARTHUR G. MILLER3 | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.52% |
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 | 1,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $20K |
| Vision | EYEMED VISION CARE | 2,261 | $168K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,423 | $1.0M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,423 | $1.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,423 | $1.0M |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $20K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,423 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,261 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.