| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT STREET, SUITE 100 WAUSAU, WI 54403 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 0.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 601 UNION ST STE 1000 SEATTLE, WA 981014064 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $60 | $37K | 16.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1018 W 9TH AVE STE 100 KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.46% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATION | — | DELTA DENTAL INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA, | PO BOX 601478 CHARLOTTE, NC 282601478 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.87% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $388 | $5K | 8.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATION | C/O WELLS FARGO CHARLOTTE, NC 28202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.21% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS RD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | $243 | $1K | 1.70% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $770 | $138 | $908 | 1.49% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $236 | $586 | 0.96% |
| BENEFIT COMMUNITCATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $66 | $293 | 0.48% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.26% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.08% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $6 | $35 | 0.06% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATION | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $206 | $3K | 16.07% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATION | — | DELTA DENTAL INSURANCE COMPANY | $572 | — | $572 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $199K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $7K |
| PROCARE PHARMACY BENEFIT MANAGER IN EIN 58-2422694 PHARMACY BENEFIT MGMT | Direct payment from the plan Service code 50 | 1267 PROFESSIONAL PARKWAY GAINSVILLE, GA 30507 | $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 | 343 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 308 | $644K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 500 | $184K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $363K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $227K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $227K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 308 | $644K |
| Other(4 contracts, 4 carriers) | EVEREST REINSURANCE COMPANY | 343 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.