| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST. SAVANNAH, GA 31401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $0 | $21K | 8.78% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $920 | $19K | 8.19% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $265 | $6K | 2.44% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS RD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 2.38% |
| DENTON H ROUSE3 | 309 EIGHT POINT DRIVE STATESBORO, GA 30461 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 2.34% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 1.80% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR. SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $281 | $4K | 1.57% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $179 | $3K | 1.33% |
| JACKIE SMALLS3 | 305 WESTBROOK WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $52 | $3K | 1.22% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $160 | $3K | 1.13% |
| BURT INSURANCE GROUP LLC3 | 2805 MILLWOOD AVENUE COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $118 | $504 | 0.21% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $12 | $411 | 0.17% |
| FRANK GILLELAND3 | 182 MEADOWLARK LANE FITZGERALD, GA 31750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.02% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.01% |
| ROBERT E FENN3 | 179 LAKE LURE DRIVE ALMA, GA 31510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JONES HILL MERCER EMP BENE INC | 7402 HODGSON MEMORIAL DR SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| ROBERT A CLOUDT3 | 128 LAUREL DRIVE BARNESVILLE, GA 30204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $237K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $237K |
| Prescription drug | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $237K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.