| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| BENTECH INC3 Filed as: BENTECH, INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 8.67% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L. HANNAH | PO BOX 13652 SAVANNAH, GA 31426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $94 | $2K | 3.09% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $763 | $524 | $1K | 2.21% |
| ROY CHILDRESS3 | 840 SPARKLEBERRY LANE COLUMBIA, SC 29229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $40 | $1K | 1.95% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $206 | $520 | 0.89% |
| MJ INSURANCE3 Filed as: GLEN W. BRANDTLY AND VARIOUS AGENTS | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $1 | $100 | 0.17% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.16% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $71K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.