| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSON EMPLOYEE BENEFITS EDUCATION Filed as: WILSON EMPLOYEE BENEFITS | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT | $38K | $4K | $42K | 5.59% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | COLONIAL LIFE AND ACCIDENT | $35K | — | $35K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE AND ACCIDENT | $21K | $2K | $23K | 3.04% |
| JOYCE HERNDON-GARVIN Filed as: JOYCE HERNDON -GARVIN | 18 HANGING MOSS RD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT | $10K | $3K | $13K | 1.80% |
| TOOMER VANDERHORST AIMAR | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT | $10K | $1K | $11K | 1.48% |
| LISA RILEY STICKLAND Filed as: LISA R STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT | $9K | $587 | $10K | 1.31% |
| ADVANCED BENEFIT SYSTEM INC Filed as: ADVANCED BENEFIT SYSTEM | 245 SEVEN FARMS DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT | $4K | $2K | $6K | 0.87% |
| JULIE S PERRY | 211 TURNBERRY PORT WENTWORTH, GA 31407 | COLONIAL LIFE AND ACCIDENT | $6K | $286 | $6K | 0.80% |
| TERRY J SILVERS Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT | $5K | $353 | $6K | 0.74% |
| CHAUNDRA F MILES-WALKER Filed as: CHAUNDRA F MILES WALKER | 11415 NEWGATE CHEST RIVERVIEW, FL 33579 | COLONIAL LIFE AND ACCIDENT | $2K | $493 | $3K | 0.37% |
| DENTON H ROUSE Filed as: DENTON ROUSE | 309 EIGHT POINT DR STATESBORO, GA 30461 | COLONIAL LIFE AND ACCIDENT | $2K | — | $2K | 0.20% |
| MICHAEL BLOCK | 16619 S PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT | $844 | $399 | $1K | 0.17% |
| VB SOLUTIONS LLC | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE AND ACCIDENT | $507 | $480 | $987 | 0.13% |
| ASHLEY BROOKE FUDGE Filed as: ASHLEY FUDGE | 320 NE 5TH AVENUE TRENTON, FL 32693 | COLONIAL LIFE AND ACCIDENT | $617 | $369 | $986 | 0.13% |
| JENNIFER WILLIAMS | 15065 CR 124 SANDERSON, FL 32087 | COLONIAL LIFE AND ACCIDENT | $617 | $312 | $929 | 0.12% |
| DOHERTY DUGGAN HART & TIERMAN | P O BOX 668 SANDERSVILLE, GA 31082 | COLONIAL LIFE AND ACCIDENT | $445 | — | $445 | 0.06% |
| JEOL TOIGO INSURANCE | 4907 NW 43RD ST GAINESVILLE, FL 32606 | COLONIAL LIFE AND ACCIDENT | $98 | $163 | $261 | 0.04% |
| ROBERT E FENN | 179 LAKE LURE DR ALMA, GA 31510 | COLONIAL LIFE AND ACCIDENT | $245 | — | $245 | 0.03% |
| COACH CONCEPTS INC Filed as: COACH CONCEPTS | 5655 OAKHURST DR SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT | $108 | $56 | $164 | 0.02% |
| M.E. WILSON COMPANY, LLC Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT | $147 | — | $147 | 0.02% |
| ALLYN INCORPORATED Filed as: ALLYN INCORP | 14813 SEMINOLE TRAIL SEMINOILE, FL 33776 | COLONIAL LIFE AND ACCIDENT | $108 | — | $108 | 0.01% |
| D'ARCIPRETE & ASSOCIATES INC Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT | $105 | — | $105 | 0.01% |
| CHOPPY HODES | PO BOX 357611 GAINSVILLE, FL 32635 | COLONIAL LIFE AND ACCIDENT | $102 | — | $102 | 0.01% |
| RONALD R FROST | P O DRAWER 1347 VIDAILIA, GA 30475 | COLONIAL LIFE AND ACCIDENT | $92 | — | $92 | 0.01% |
| SARA SORENSEN-CONNICK Filed as: SARA SORENSEN CONNICK | 8547 E ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT | $25 | $31 | $56 | 0.01% |
| ARTHUR DWAYNE JANSENIUS | 2242 HIGHWAY 231 COTTONDALE, FL 32431 | COLONIAL LIFE AND ACCIDENT | $54 | — | $54 | 0.01% |
| AIMEE STONE | 2317 GARLAND DR BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT | $49 | — | $49 | 0.01% |
| BRENDA GAIL PATE Filed as: BRENDA KNIGHT | 821 KING'S GRANT ST SIMONS ISLAND, GA 31522 | COLONIAL LIFE AND ACCIDENT | $43 | — | $43 | 0.01% |
| TERESA PELHAM | P O BOX 351 GREENWOOD, FL 32443 | COLONIAL LIFE AND ACCIDENT | $35 | — | $35 | 0.00% |
| WILLIAM C WESTER | P O BOX 375 GRANDRIDGE, FL 32442 | COLONIAL LIFE AND ACCIDENT | $35 | — | $35 | 0.00% |
| BENEFIT COMMUNICATION SPECIALISTS Filed as: BENEFIT COMMUNICATION SPECIALIST | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT | $34 | — | $34 | 0.00% |
| THOMAS HAYWOOD COWLES | 1535 OLD MERIWETHER TRAIL LA PINE, AL 36046 | COLONIAL LIFE AND ACCIDENT | $32 | — | $32 | 0.00% |
| DANIEL HIGHSMITH | 222 MACKS RD NORTH AUGUSTA, SC 29860 | COLONIAL LIFE AND ACCIDENT | $10 | — | $10 | 0.00% |
| GAB INTERNATIONAL LLC | 115 ROSEBAY LANE SHARPSBURG, GA 30277 | COLONIAL LIFE AND ACCIDENT | $8 | — | $8 | 0.00% |
| CARIE CHANEY HUNSINGER Filed as: CARIE D CHANEY | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT | $6 | — | $6 | 0.00% |
| JOYCE M CLARK Filed as: JOYCE CLARK | 2435 TIFFANY CIRCLE DECATUR, GA 30035 | COLONIAL LIFE AND ACCIDENT | $4 | — | $4 | 0.00% |
| HAROLD J DOYLE Filed as: HAROLD DOYLE | 892 RIDERS WAY EAST EVANS, GA 30809 | COLONIAL LIFE AND ACCIDENT | $4 | — | $4 | 0.00% |
| TODD BOOZER Filed as: TODD A BOOZER | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT | $1 | — | $1 | 0.00% |
| DENISE L SMITH | 2609 AVERY PARK CIR ATLANTA, GA 30360 | COLONIAL LIFE AND ACCIDENT | $1 | — | $1 | 0.00% |
| BENEFIT CONSULTANTS INC Filed as: BENEFIT CONSULTANTS | 2105 VESTIVIA LAKE DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT | $1 | — | $1 | 0.00% |
| THE ADAMSON GROUP INC | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| MICHAEL C WALKER Filed as: MICHAEL T LINEBAUGH | 1101 JAVELIN COURT COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| HOLLERN & ASSOCIATES INCORPORATED Filed as: HOLLERN AND ASSOCIATES INC | 11412 ROBBIA DR LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | P O BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $10K | $36K | 14.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $181K |
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 | 1,195 | 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) | 1,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNION FIRE INSURANCE | 0 | $52K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,195 | $250K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,195 | $250K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INS CO | 453 | $806K |
| Other | COLONIAL LIFE AND ACCIDENT | 564 | $743K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,195 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.