| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD, STE 800 ATLANTA, GA 30305 | SYMETRA LIFE INSURANCE COMPANY | — | $39K | $39K | 3.99% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $50K | $2K | $53K | 16.19% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LICENSING CENTER SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | — | DELTA DENTAL INSURANCE COMPANY | $28K | — | $28K | 13.00% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $416 | $3K | 4.16% |
| USI INSURANCE SERVICES LLC3 | C/O WELLS FARGO CHARLOTTE, NC 28202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $117 | $3K | 4.10% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $255 | $2K | 2.84% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.24% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $220 | $1K | 1.58% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $327 | $853 | 1.05% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DRIVE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | $52 | $458 | 0.56% |
| BENEFIT COMMUNICATIONS SPECIALISTS6 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $26 | $353 | 0.43% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.12% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.05% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $3K | — | $3K | 9.89% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BLVD #600 FORT LAUDERDALE, FL 33308 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $4K | 20.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | — | DELTA DENTAL INSURANCE COMPANY | $274 | — | $274 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 | Insurance agents and brokers Service code 22 | — | $136K |
| CIGNA CORPORATION EIN 58-1031071 | Insurance agents and brokers Service code 22 | — | $51K |
| PROCARE PHARMACY BENEFIT MANAGER IN EIN 58-2422694 | Direct payment from the plan Service code 50 | 1267 PROFESSIONAL PARKWAY GAINESVILLE, GA 30507 | $8K |
| CAREOPERATIVE, LLC EIN 20-8981027 | Insurance agents and brokers Service code 22 | — | $5K |
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 | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 525 | $217K |
| Vision | EYEMED VISION CARE | 472 | $31K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 378 | $406K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 378 | $325K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 378 | $325K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 300 | $972K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 378 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.