| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER | 611 POINTE NORTH BLVD ALBANY, GA 31721 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 19.65% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 200 BROOKSTONE CENTRE PKWY COLUMBIA, GA 31904 | LINCOLN NATIONAL LIFE INSURANCE | $4K | — | $4K | 11.63% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | LINCOLN NATIONAL LIFE INSURANCE | $1K | $232 | $1K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE | $0 | $1K | $1K | 3.54% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE | $710 | — | $710 | — |
| WILSON EMPLOYEE BENEFITS EDUCATION | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE | $229 | — | $229 | — |
| M.E. WILSON COMPANY, LLC Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE | $174 | — | $174 | — |
| LISA RILEY STICKLAND Filed as: LISA STRICKLAND | 6 GENTRY ST POOLER, GA 31322 | COLONIAL LIFE | $157 | — | $157 | — |
| JOYCE HERNDON-GARVIN Filed as: JOYCE GARVIN | 18 HANGING MOSS RD SAVANNAH, GA 31410 | COLONIAL LIFE | $142 | — | $142 | — |
| TOOMER VANDERHORST AIMAR Filed as: TOOMER AIMAR | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE | $124 | — | $124 | — |
| TERRY BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE | $60 | — | $60 | — |
| ADVANCED BENEFIT SYSTEM INC Filed as: ADVANCED BENEFIT SYSTEM | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE | $55 | — | $55 | — |
| JULIE S PERRY Filed as: JULIE PERRY | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE | $35 | — | $35 | — |
| JAMES SNOW | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE | $33 | — | $33 | — |
| CARIE CHANEY HUNSINGER Filed as: CARIE CHANEY | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE | $30 | — | $30 | — |
| SPECTRUM SOLUTIONS INC Filed as: SPECTRUM SOLUTIONS | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE | $15 | — | $15 | — |
| BENEFIT COMMUNICATION SPECIALISTS Filed as: BENEFIT COMMUNICATION SPECIALIST | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE | $15 | — | $15 | — |
| ROBERT E FENN Filed as: ROBERT FENN | 179 LAKE LURE DR ALMA, GA 31510 | COLONIAL LIFE | $15 | — | $15 | — |
| ROBERT A CLOUDT Filed as: ROBERT CLOUDT | 128 LAUREL DR BARNESVILLE, GA 30204 | COLONIAL LIFE | $12 | — | $12 | — |
| NANCY D CLOUDT Filed as: NANCY CLOUDT | 128 LAUREL DRIVE BARNESVILLE, GA 30204 | COLONIAL LIFE | $12 | — | $12 | — |
| BRENDA GAIL PATE Filed as: BRENDA PATE | 3 MONGIN WAY BLUFFTON, SC 29909 | COLONIAL LIFE | $7 | — | $7 | — |
| DANIEL HIGHSMITH | 222 MACKIE RD N AUGUSTA, SC 29860 | COLONIAL LIFE | $3 | — | $3 | — |
| DENTON H ROUSE Filed as: DENTON ROUSE | 309 EIGHT POINT DR STATESBORO, GA 30461 | COLONIAL LIFE | $1 | — | $1 | — |
| THE ADAMSON GROUP INC Filed as: THE ADAMSON GROUP | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE | $1 | — | $1 | — |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE | 53 | $0 |
| Short-term disability | COLONIAL LIFE | 53 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.