| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 303 KRYSTAL BLD 1 UNION SQUARE CHATTANOOGA, TN 37402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $7K | $27K | 19.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $288 | $3K | 9.73% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $257 | $1K | 3.94% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $867 | $112 | $979 | 3.07% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $552 | $82 | $634 | 1.99% |
| JOYCE HERNDON-GARVIN3 | 1010 OLD OATLAND ISLAND RD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $192 | $618 | 1.94% |
| JULIE S PERRY3 | 211 TURNBERRY STREET PORT WENTWORTH, GA 31407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $38 | $534 | 1.67% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $146 | $282 | 0.88% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 0.82% |
| ALICE CAROL HOWARD3 | 407 CANTYRE ST PORT WENTWORTH, GA 31407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $6 | $173 | 0.54% |
| CARIE DEANNE CHANEY3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.14% |
| ROBERT A CLOUDT3 | P.O. BOX 698 BARNESVILLE, GA 30204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.14% |
| JAMES SNOW3 Filed as: JAMES G SNOW | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.13% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| ROBERT E FENN3 | 179 LAKE LURE DR ALMA, GA 31510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| PROFESSIONAL ENROLLMENTS INC3 | 821 KING'S GRANT ST SIMONS ISLAND, GA 31522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| DAVID HIGHSMITH3 | 364 MUSCADINE LANE MOUNTVILLE, SC 29370 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| DENTON H ROUSE3 | 309 EIGHT POINT DR STATESBORO, GA 30458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| NICHOLAS WEBER3 | 509 LECOUNT ST HINESVILLE, GA 31313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILLIAMS BENEFITS SOLUTIONS LLC3 | 1116 WILDWOOD CIRCLE LEESVILLE, SC 29070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PKWY. SUITE 118 COLUMBUS, GA 31904 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $920 | $682 | $2K | 6.10% |
No Schedule C service providers reported on this filing.
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 | 341 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 292 | $26K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $175K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $143K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $143K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.