| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46K | $6K | $52K | 19.46% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $11K | 4.09% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 4.08% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR. SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $996 | $8K | 2.97% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $435 | $7K | 2.71% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 2.59% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $991 | $6K | 2.40% |
| DENTON H ROUSE3 | 309 EIGHT POINT DR STATESBORO, GA 30461 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.28% |
| JACKIE SMALLS3 | 305 WESTBROOK WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $397 | $3K | 1.27% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $194 | $3K | 1.18% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST. SAVANNAH, GA 31401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.17% |
| BURT INSURANCE GROUP LLC3 | 1109 BELLEVIEW STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $148 | $569 | 0.21% |
| FRANK GILLELAND3 | 182 MEADOWLARK LANE FITZGERALD, GA 31750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.01% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| ROBERT E FENN3 | 179 LAKE LURE DR ALMA, GA 31510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 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 | $6 | $0 | $6 | 0.00% |
| ENROLLEASE3 Filed as: CLARKE & CO BENEFITS LLC | 2422 DEVINE ST STE B COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| SANDUSKY INC3 | PO BOX 1470 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BENEFITS AT WORK LLC3 | 3600 CHATEAU DR COLUMBIA, SC 29204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BROCKSTAR LLC3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| TURBEVILLE INSURANCE AGENCY INC3 | PO BOX 6828 COLUMBIA, SC 29260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | MADISON NATIONAL LIFE | $12K | — | $12K | 18.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $4K | — | $4K | 5.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP | $7K | $1K | $8K | 17.43% |
| BESVINICK, MITCHELL, HENRY3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY EIN 23-2238132 | Plan Administrator Service code 14 | — | $32K |
| DIGITAL INSURANCE COMPANY EIN 58-2522668 | Plan Administrator Service code 14 | — | $30K |
| MGU UNDERWRITING FEE EIN 26-6943343 | Actuarial Service code 11 | — | $15K |
| FIRST HEALTH GROUP CORPORATION EIN 20-1736437 | Recordkeeping fees Service code 64 | — | $11K |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 285 | $329K |
| Dental | AMERITAS LIFE INSURANCE CORP | 332 | $46K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 285 | $265K |
| Prescription drug | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 285 | $265K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 285 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.