| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 201503 IRVING, TX 75063 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $27 | $49K | 14.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 253111622 | METROPOLITAN LIFE INSURANCE COMPANY | -$14K | $0 | -$14K | -4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 601478 CHARLOTTE, NC 282601478 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.39% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $97 | $3K | 8.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | C/O WELLS FARGO CHARLOTTE, NC 28202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $95 | $2K | 4.51% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | $90 | $656 | 1.94% |
| JOYCE HERNDON-GARVIN3 Filed as: JOYCE HERDON - GARVIN | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | $115 | $506 | 1.49% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM,INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $145 | $356 | 1.05% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.64% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $50 | $199 | 0.59% |
| JULIE S PERRY3 | 211 TURNBERRY STREET PORT WENTWORTH, GA 31407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $5 | $86 | 0.25% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 201503, GEORGIA LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $196 | $3K | 15.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 201503 IRVING, TX 75063 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $386 | $0 | $386 | 9.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $74 | $74 | 1.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 253111622 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | -$152 | $0 | -$152 | -3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 201503 IRVING, TX 75063 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $264 | $0 | $264 | 9.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $50 | $50 | 1.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 253111622 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | -$128 | $0 | -$128 | -4.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $862K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 124 PRICE HILLS COURT SUGARHILL, GA 30518 | $173K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $14K |
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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $350K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $447K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $343K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $343K |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $936K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.