| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY NE SUITE 700 ATLANTA, GA 30328 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 1.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMAPNY | $34K | — | $34K | 13.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMAPNY | — | $3K | $3K | 1.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMAPNY | — | $401 | $401 | 0.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | DELTA DENTAL INSURANCE COMPANY | $26K | — | $26K | 13.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203508 NORTH CAROLINA LOCKBOX DALLAS, TX 753203508 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.22% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $7 | $4K | 7.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | C/O WELLS FARGO CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $10 | $2K | 2.74% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $758 | $69 | $827 | 1.47% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $716 | $51 | $767 | 1.37% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $116 | $478 | 0.85% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WW FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $19 | $275 | 0.49% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.29% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $1 | $47 | 0.08% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.08% |
| MICHAEL ANTHONY ROCHEFORT3 | 208 COMMODORE DRIVE SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.07% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $1 | $31 | 0.06% |
| TOOMER VANDERHORST AIMAR3 Filed as: TOOMER VANDERHOST AIMAR | 701 COLUMBUS DRIVE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.03% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DRIVE RENO, NV 89521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF AMERICA | $913 | $424 | $1K | 21.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | DELTA DENTAL INSURANCE COMPANY | $422 | — | $422 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $288K |
| PROCARE PHARMACY BENEFIT MANAGER IN EIN 58-2422694 | Direct payment from the plan Service code 50 | 1267 PROFESSIONAL PARKWAY GAINESVILLE, GA 30507 | $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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 294 | $291K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 504 | $204K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMAPNY | 344 | $376K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMAPNY | 344 | $244K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMAPNY | 344 | $244K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 294 | $291K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMAPNY | 560 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.