| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES LLC 2111 E HIGHLAND AVE B210 PHOENIX, AZ 85016 | SYMETRA LIFE INSURANCE COMPANY | — | $139K | $139K | 2.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 LBJ FRWY STE 100 DALLAS, TX 75244 | SYMETRA LIFE INSURANCE COMPANY | — | $66K | $66K | 1.37% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $403K | $67K | $469K | 11.87% |
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC. | $45K | — | $45K | 4.97% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC | #5 COWBOYS WAY SUITE 300-I FRISCO, TX 75034 | SYMETRA LIFE INSURANCE COMPANY | $143K | $13K | $155K | 29.54% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD IN | 2500 CUMBERLAND PKWY SE#400 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $39K | $8K | $46K | 8.79% |
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY, STE 400 ATLANTA, GA 30339 | EYEMED VISION CARE | $21K | — | $21K | 9.87% |
| STERLING SEACREST PRITCHARD, INC.3 | 2500 CUMBERLAND PKWY, STE 400 ATLANTA, GA 30339 | EYEMED VISION CARE | $125 | — | $125 | 9.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN / IEC GROUP EIN 82-0497661 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | — | $907K |
| CVS PHARMACY, INC EIN 05-0340626 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $17K |
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 | 4,727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 123 | $911K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,727 | $4.0M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,206 | $212K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,727 | $4.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,727 | $4.0M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,727 | $4.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 123 | $911K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,762 | $4.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,727 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,727 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.