| 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 INSURANCE | $46K | $11K | $57K | 5.33% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN ST DUBUQUE, IA 52001 | COLONIAL LIFE AND ACCIDENT INSURANCE | $52K | — | $52K | 4.79% |
| JOYCE HERNDON-GARVIN | 18 HANGING MOSS RD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE | $11K | $3K | $14K | 1.29% |
| TOOMER VANDERHORST AIMAR | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $12K | $2K | $14K | 1.28% |
| LISA A PERRI Filed as: LISA RILEY STRICKLAND | 6 GENTRY ST POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE | $10K | $675 | $11K | 1.03% |
| ADVANCED BENEFIT SYSTEM INC Filed as: ADVANCED BENEFIT SYSTEMS | 145 RIVER LANDING DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE | $5K | $2K | $8K | 0.71% |
| TERRY J SILVERS Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE | $6K | $888 | $7K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH AND MCLENNAN AGENCY LLC | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE AND ACCIDENT INSURANCE | $7K | — | $7K | 0.63% |
| JULIE S PERRY | P O BOX 663 BLOOOMINGDALE, GA 31302 | COLONIAL LIFE AND ACCIDENT INSURANCE | $5K | — | $5K | 0.46% |
| ELAISIUS BONNER | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | $537 | $3K | 0.24% |
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | — | $2K | 0.22% |
| MICHEAL BLOCK | 16619 S PINECREEK DR LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | — | $2K | 0.15% |
| DOHERTY DUGGAN HART & TIERMAN Filed as: DOHERTY DUGGAN HART & TIERMAN INSUR | P O BOX 668 SANDERSVILLE, GA 31082 | COLONIAL LIFE AND ACCIDENT INSURANCE | $311 | — | $311 | 0.03% |
| ROBERT E FENN | 179 LAKE LURE DR ALMA, GA 31510 | COLONIAL LIFE AND ACCIDENT INSURANCE | $176 | — | $176 | 0.02% |
| CHAUNDRA F MILES-WALKER Filed as: CHAUNDRA F MILES -WALKER | 11415 NEWGATE CREST DR RIVERVIEW, FL 33579 | COLONIAL LIFE AND ACCIDENT INSURANCE | $161 | — | $161 | 0.01% |
| MICHAEL ANTHONY ROCHEFORT Filed as: MICHAEL A ROCHEFORT | 208 COMMODORE DR SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE | $137 | — | $137 | 0.01% |
| M.E. WILSON COMPANY, LLC Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $102 | — | $102 | 0.01% |
| RONALD R FROST | P O DRAWER 1347 VIDALIA, GA 30475 | COLONIAL LIFE AND ACCIDENT INSURANCE | $74 | — | $74 | 0.01% |
| D'ARCIPRETE & ASSOCIATES INC Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE | $68 | — | $68 | 0.01% |
| VB SOLUTIONS LLC | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE AND ACCIDENT INSURANCE | $48 | — | $48 | 0.00% |
| ALDEN D MCGEE | 3657 RICHMOND ST JACKSONSVILLE, FL 32205 | COLONIAL LIFE AND ACCIDENT INSURANCE | $44 | — | $44 | 0.00% |
| AIMEE STONE | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE | $36 | — | $36 | 0.00% |
| SCOTT RENE SANDERS | 1225 DOVE STREET WAYCROSS, GA 31503 | COLONIAL LIFE AND ACCIDENT INSURANCE | $32 | $4 | $36 | 0.00% |
| THE GRAHAM COMPANY Filed as: GRAHAM TYRE | P O BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE AND ACCIDENT INSURANCE | $15 | $17 | $32 | 0.00% |
| RANDALL SCOTT RAY | 2512 DOROTY ST WAYCROSS, GA 31501 | COLONIAL LIFE AND ACCIDENT INSURANCE | $30 | — | $30 | 0.00% |
| ARTHUR DWAYNE JANSENIUS Filed as: ARTHUR D JANSENENUIS | 2242 HWY 231 COTTONDALE, FL 32431 | COLONIAL LIFE AND ACCIDENT INSURANCE | $28 | — | $28 | 0.00% |
| BRENDA GAIL PATE | 15683 ALDERBROOK DR HAYMARKET, VA 20169 | COLONIAL LIFE AND ACCIDENT INSURANCE | $25 | — | $25 | 0.00% |
| BENEFIT COMMUNICATIONS SPECIALISTS Filed as: BENEFIT COMMUNICATIONS SPECIALIST | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE | $22 | — | $22 | 0.00% |
| THOMAS HAYWOOD COWLES Filed as: THOMAS H COWLES | 1535 OLD MERIWETHER TRAIL LA PINE, AL 36046 | COLONIAL LIFE AND ACCIDENT INSURANCE | $20 | — | $20 | 0.00% |
| WILLIAM C WESTER | P O BOX 375 GRANDRIDGE, FL 32442 | COLONIAL LIFE AND ACCIDENT INSURANCE | $19 | — | $19 | 0.00% |
| COMPLETE BUSINESS BENEFITS INC Filed as: COMPLETE BUISNESS BENEFITS | 3751 HONEYSUCKLE COURT MONTGOMERY, AL 36109 | COLONIAL LIFE AND ACCIDENT INSURANCE | $16 | — | $16 | 0.00% |
| TERESA PELHAM | P O BOX 351 GREENWOOD, FL 32443 | COLONIAL LIFE AND ACCIDENT INSURANCE | $14 | — | $14 | 0.00% |
| GAB INTERNATIONAL LLC | 67 ASHTON PL NEWMAN, GA 30265 | COLONIAL LIFE AND ACCIDENT INSURANCE | $8 | — | $8 | 0.00% |
| RUSSELL G JUMP | 336 PEACHTREE CIRCLE DOUGLAS, GA 31533 | COLONIAL LIFE AND ACCIDENT INSURANCE | $7 | $1 | $8 | 0.00% |
| JOSHUA T JONES | 25 GARFIELD LN STREAMWOOD, IL 60107 | COLONIAL LIFE AND ACCIDENT INSURANCE | $5 | — | $5 | 0.00% |
| DAVID TODD WEINSTEIN | 222 N COLUMBUS DR CHICAGO, IL 60601 | COLONIAL LIFE AND ACCIDENT INSURANCE | $5 | — | $5 | 0.00% |
| HAROLD J DOYLE Filed as: HAROLD DOYLE | 892 RIDERS WAY EAST EVANS, GA 30809 | COLONIAL LIFE AND ACCIDENT INSURANCE | $4 | — | $4 | 0.00% |
| JOYCE M CLARK Filed as: JOYCE CLARK | 2435 TIFFANY CIRCLE DECATUR, GA 30035 | COLONIAL LIFE AND ACCIDENT INSURANCE | $4 | — | $4 | 0.00% |
| CARIE CHANEY HUNSINGER | 8 CARETAKERS LN SAVANNAH, GA 30404 | COLONIAL LIFE AND ACCIDENT INSURANCE | $3 | — | $3 | 0.00% |
| CHOPPY HODES | 1031 NW 6TH ST GAINSVILLE, FL 32601 | COLONIAL LIFE AND ACCIDENT INSURANCE | $3 | — | $3 | 0.00% |
| JAMIE A CONTRERAS-VESTAL Filed as: JAMIE A CONTRERA-VESTAL | P O BOX 1240 DELAND, FL 32721 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| DENISE J LEWIS-YOUNG | 2774 NIBLICK WAY DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| TODD BOOZER | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| MARSHA VANCE Filed as: MARSHA R VANCE | 2326 NW 46 CT RD OCALA, FL 34482 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| ALLYN INCORPORATED | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| COACH CONCEPTS INC | 5655 OAKHURST DR SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| BENEFIT CONSULTANTS INC | 2105 VESTIVIA LAKE DR BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| HOLLERN & ASSOCIATES INCORPORATED Filed as: HOLLERN AND ASSOCIATES | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| MICHAEL C WALKER Filed as: MICHAEL T LINEBAUGH | 1101 JAVELIN CT COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| GINAKES & ASSOCIATES LLC | 1020 W INTERNATIONAL SPEEDWAY DAYTONA, FL 32114 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| PHILLIP CAIN Filed as: PHILLIP B CAIN | P O BOX 1322 SNEADS, FL 32460 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| JOHN W PERKINS | 5151 MENAWA TRAIL MARAINNA, FL 32446 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| FELIPE A BARGANIER | 950 EAGLES LANDING PKWY STOCKBRIDGE, GA 30281 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| THE ADAMSON GROUP INC | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| JOSEPH LEE WROBLEWSKI | P O BOX 1222 LYNN HAVEN, FL 32444 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| DANIEL HIGHSMITH | 222 MACKIE RD NORTH AUGUSTA, GA 29860 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| DENTON H ROUSE | 309 EIGHT POINT DR STATESBORO, GA 30461 | COLONIAL LIFE AND ACCIDENT INSURANCE | — | — | $0 | 0.00% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM AND BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE FINANCIAL | $46K | — | $46K | 5.92% |
| MCGRIFF INSURANCE SERVICES INC | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | SUN LIFE FINANCIAL | $32K | — | $32K | 4.08% |
| UMR, INC. Filed as: UMR INC | 11 SCOTT ST SUITE 100 WAUSAU, WI 54403 | SUN LIFE FINANCIAL | — | $5K | $5K | 0.61% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INS | P O BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE CO | $15K | $6K | $21K | 7.02% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE CO | $7K | $1K | $8K | 2.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $445K |
| UMR INC EIN 39-1995276 | Claims processing Service code 12 | P O BOX 1087 WAUSAU, WI 544021087 | $226K |
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 | 1,583 | 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) | 1,583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CO | 1,280 | $303K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 1,280 | $303K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 1,280 | $303K |
| Stop-loss / reinsurancereinsurance | SUN LIFE FINANCIAL | 459 | $774K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE | 658 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,280 | — |
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."
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.