| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | PO BOX 724137 ATLANTA, GA 31139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70K | $0 | $70K | 12.09% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | 2500 CUMBERLAND PARKWAY SE SUITE 400 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $67K | $0 | $67K | 100.00% |
| UNKNOWN3 | UNKNOWN PELHAM, AL 35124 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $166 | $0 | $166 | 9.20% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $2K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 319 | $67K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $578K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $578K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $578K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $2K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.