| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 9.73% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.46% |
| BENTECH INC3 Filed as: BENTECH, INC. | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 3.97% |
| BENEFIT COMMUNICATIONS SPECIALISTS3 | 37 WEST FAIRMONT AVENUE, SUITE 207 SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $659 | $7 | $666 | 1.20% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L. HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 0.81% |
| ROY CHILDRESS3 | 104 CLAY RIDGE ROAD COLUMBIA, SC 29223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $293 | $0 | $293 | 0.53% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE, UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $208 | $6 | $214 | 0.39% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.12% |
| ED WILSOM & OTHER AGENT3 | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 360 | $20K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $221K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $221K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $166K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.