| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 15.33% |
| BENTECH INC3 Filed as: BENTECH INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $195 | $3K | 5.88% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $470 | $151 | $621 | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JAMES ROBERT WILLIS | 3 LOCKWOOD LANE SAVANNAH, GA 31411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $295 | $143 | $438 | 0.86% |
| MJ INSURANCE3 Filed as: CARIE D. CHANEY AND VARIOUS AGENTS | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $312 | $42 | $354 | 0.70% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L. HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $1 | $348 | 0.68% |
| ROY CHILDRESS3 | 104 CLAY RIDGE ROAD COLUMBIA, SC 29223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $330 | $0 | $330 | 0.65% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $210 | $71 | $281 | 0.55% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $93K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $93K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.