| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC, | 115 W. WAUSAU AVE WAUSAU, WI 54401 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 601 UNION STREET STE 1000 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMAPNY | $27K | $41 | $27K | 12.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMAPNY | $6K | $41 | $6K | 2.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1018 W 9TH AVE STE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMAPNY | — | $2K | $2K | 1.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMAPNY | — | $520 | $520 | 0.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 10.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATION | — | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 2.15% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 601478 CHARLOTTE, NC 282601478 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.28% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $66 | $4K | 6.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | C/O WELLS FARGO CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.45% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $846 | $100 | $946 | 1.58% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $778 | $129 | $907 | 1.51% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $225 | $614 | 1.02% |
| MICHAEL ANTHONY ROCHEFORT3 | 208 COMMODORE DRIVE SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $449 | — | $449 | 0.75% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $35 | $364 | 0.61% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WW FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $40 | $284 | 0.47% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $18 | $237 | 0.40% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.24% |
| TOOMER VANDERHORST AIMAR3 Filed as: TOOMER VANDERHOST AIMAR | 701 COLUMBUS DRIVE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $17 | $98 | 0.16% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.07% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 AMERICA | $3K | $310 | $3K | 16.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | DELTA DENTAL INSURANCE COMPANY | $378 | — | $378 | 12.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATION | — | DELTA DENTAL INSURANCE COMPANY | $76 | — | $76 | 2.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 | Claims processing Service code 12 | — | $303K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARFORD, CT 06156 | $8K |
| PROCARE PHARMACY BENEFIT MANAGER IN EIN 58-2422694 | Direct payment from the plan Service code 50 | 1267 PROFESSIONAL PARKWAY GAINESVILLE, GA 30507 | $6K |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 308 | $274K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 518 | $213K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMAPNY | 350 | $362K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMAPNY | 350 | $222K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMAPNY | 350 | $222K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 308 | $274K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMAPNY | 353 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.