| 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 | $41K | $27 | $41K | 16.45% |
| 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 | $4K | $4K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 601478 CHARLOTTE, NC 28260 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.45% |
| M.E. WILSON COMPANY, LLC Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $396 | $4K | 10.26% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SERVICES USA INC. | C/O WELLS FARGO CHARLOTTE, NC 28202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.14% |
| JOYCE HERNDON-GARVIN Filed as: JOYCE HERDON - GARVIN | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | $315 | $1K | 2.73% |
| WILSON EMPLOYEE BENEFITS EDUCATION | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $699 | $77 | $776 | 2.01% |
| ADVANCED BENEFIT SYSTEM INC Filed as: ADVANCED BENEFIT SYSTEM,INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $268 | $532 | 1.38% |
| BENEFIT COMMUNICATION SPECIALISTS | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $70 | $227 | 0.59% |
| JULIE S PERRY | 211 TURNBERRY STREET PORT WENTWORTH, GA 31407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $10 | $208 | 0.54% |
| SHARON SIMPSON MCCLENDON Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.43% |
| HOLLERN & ASSOCIATES INCORPORATED Filed as: HOLLERN & ASSOCIATES | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 | $394 | $3K | 17.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 201503 IRVING, TX 75063 | DELTA DENTAL INSURANCE COMPANY | $685 | $0 | $685 | 15.00% |
| 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 | $189 | — | $189 | 11.92% |
| 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 | — | $28 | $28 | 1.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 253111622 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | — | $0 | 0.00% |
| 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 | $145 | — | $145 | 11.83% |
| 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 | — | $22 | $22 | 1.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 253111622 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $222K |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $36K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $7K |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $350K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $354K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $248K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $248K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 340 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.