| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY SUITE 400 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE COMPANY | $21K | $65K | $86K | 4.28% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $741 | $11K | 18.06% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.87% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $192 | $455 | $647 | 1.10% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $198 | $0 | $198 | 0.34% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PARTNER | 6525 THE CORNERS PARKWAY SUITE 500 PEACHTREE CORNERS, GA 30092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PARTNER | 6525 THE CORNERS PARKWAY SUITE 500 PEACHTREE CORNERS, GA 30092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PARTNER | 6525 THE CORNERS PARKWAY SUITE 500 PEACHTREE CORNERS, GA 30092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PARTNER | 6525 THE CORNERS PARKWAY SUITE 500 PEACHTREE CORNERS, GA 30092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE COMPANY | 168 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE COMPANY | 168 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE COMPANY | 168 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $25K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.