| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSON EMPLOYEE BENEFITS EDUCATION Filed as: WILSON EMPLOYE BENEFITS EDUCATION | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $52K | $7K | $59K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH AND MCLENNAN AGENCY | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE AND ACCIDENT INSURANCE | $54K | $5K | $58K | 4.69% |
| TOOMER VANDERHORST AIMAR | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $17K | $2K | $19K | 1.52% |
| JOYCE HERNDON-GARVIN | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE | $12K | $3K | $16K | 1.25% |
| LISA A PERRI Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE | $14K | $1K | $15K | 1.23% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27912 | COLONIAL LIFE AND ACCIDENT INSURANCE | $10K | — | $10K | 0.82% |
| ADVANCED BENEFIT SYSTEM INC Filed as: ADVANCED BENEFIT SYSTEMS | 145 RIVER LANDING DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE | $6K | $4K | $10K | 0.78% |
| TERRY J SILVERS Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE | $6K | $1K | $7K | 0.54% |
| COTTINGHAM & BUTLER Filed as: COTTINGTON AND BUTLER INSURANCE | 800 MAIN ST DUBUQUE, IA 52001 | COLONIAL LIFE AND ACCIDENT INSURANCE | $5K | — | $5K | 0.39% |
| R J K & ASSOCIATES INC Filed as: R J K & ASSOCIATES | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | $31 | $2K | 0.13% |
| MICHAEL BLOCK | 16619 S PINECREEK DR LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1K | — | $1K | 0.12% |
| ELAISIUS BONNER | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1K | — | $1K | 0.10% |
| HIGGINBOTHAM INS AGENCY INC Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 351 SANDERSVILLE, GA 31082 | COLONIAL LIFE AND ACCIDENT INSURANCE | $258 | — | $258 | 0.02% |
| M.E. WILSON COMPANY, LLC Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $62 | — | $62 | 0.00% |
| D'ARCIPRETE & ASSOCIATES INC Filed as: D'ARCIPRETE &ASSOCIATES INC | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE | $50 | — | $50 | 0.00% |
| RONALD R FROST | RONALD FROST SEABROOK, TX 77586 | COLONIAL LIFE AND ACCIDENT INSURANCE | $49 | — | $49 | 0.00% |
| VB SOLUTIONS LLC | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE AND ACCIDENT INSURANCE | $30 | — | $30 | 0.00% |
| CHAUNDRA F MILES-WALKER | 11415 NEWGATE CREST DR RIVERVIEW, FL 33579 | COLONIAL LIFE AND ACCIDENT INSURANCE | $28 | — | $28 | 0.00% |
| SCOTT RENE SANDERS | 1225 DOVE STREET WAYCROSS, GA 31503 | COLONIAL LIFE AND ACCIDENT INSURANCE | $25 | — | $25 | 0.00% |
| ALDEN D MCGEE | 3657 RICHMOND STRRET JACKSONVILLE, FL 32205 | COLONIAL LIFE AND ACCIDENT INSURANCE | $24 | — | $24 | 0.00% |
| AIMEE STONE | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE | $21 | — | $21 | 0.00% |
| ARTHUR DWAYNE JANSENIUS | 2242 HWY 231 COTTONDALE, FL 32431 | COLONIAL LIFE AND ACCIDENT INSURANCE | $21 | — | $21 | 0.00% |
| ROBERT E FENN Filed as: ROBERT E FENN JR | 117 CRESTBREEZE MANOR CRESCENT CITY, FL 32112 | COLONIAL LIFE AND ACCIDENT INSURANCE | $19 | — | $19 | 0.00% |
| COMPLETE BUSINESS BENEFITS INC Filed as: COMPLETE BUISNESS BENEFITS | 4066 WARES FERRY RD MONTGOMERY, AL 36109 | COLONIAL LIFE AND ACCIDENT INSURANCE | $16 | — | $16 | 0.00% |
| BENEFIT COMMUNICATION SPECIALISTS | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE | $15 | — | $15 | 0.00% |
| THOMAS HAYWOOD COWLES | 1535 OLD MERIWETHER TRIAL LA PINE, AL 36046 | COLONIAL LIFE AND ACCIDENT INSURANCE | $13 | — | $13 | 0.00% |
| WILLIAM C WESTER | P O BOX 375 GRANDRIDGE, FL 32442 | COLONIAL LIFE AND ACCIDENT INSURANCE | $13 | — | $13 | 0.00% |
| BRENDA GAIL PATE | 7803 JUNE LN WILDWOOD, FL 32205 | COLONIAL LIFE AND ACCIDENT INSURANCE | $10 | — | $10 | 0.00% |
| THE GRAHAM COMPANY Filed as: GRAHAM TYRE | P O BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE AND ACCIDENT INSURANCE | $10 | — | $10 | 0.00% |
| TERESA PELHAM | P O BOX 351 GREENWOOD, FL 32443 | COLONIAL LIFE AND ACCIDENT INSURANCE | $10 | — | $10 | 0.00% |
| GAB INTERNATIONAL LLC | 67 ASHTON PL NEWNAN, GA 30265 | COLONIAL LIFE AND ACCIDENT INSURANCE | $6 | — | $6 | 0.00% |
| RANDALL SCOTT RAY | 812 ORCHARD LN WAYCROSS, GA 31501 | COLONIAL LIFE AND ACCIDENT INSURANCE | $5 | — | $5 | 0.00% |
| HAROLD J DOYLE | 892 RIDERS WAY EAST EVANS, GA 30809 | COLONIAL LIFE AND ACCIDENT INSURANCE | $4 | — | $4 | 0.00% |
| RUSSELL L WARYE Filed as: RUSSELL GEORGE JUMP | 336 PEACHTREE CIRCLE DOUGLAS, GA 31533 | COLONIAL LIFE AND ACCIDENT INSURANCE | $4 | — | $4 | 0.00% |
| JOYCE M CLARK | 2435 TIFFANY CIRCLE DECATUR, GA 30035 | COLONIAL LIFE AND ACCIDENT INSURANCE | $3 | — | $3 | 0.00% |
| DENISE J LEWIS-YOUNG | 2774 NIBLICK WAY DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| JULIE S PERRY | P O BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| PHILLIP CAIN | P O BOX 1322 SNEADS, FL 32460 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| GINAKES & ASSOCIATES LLC | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE CO | $39K | $5K | $44K | 9.92% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE CO | — | $993 | $993 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY MANAGEMENT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $566K |
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 | 1,429 | 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) | 1,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VOYA-STEALTH PARTNER GROUP | 448 | $966K |
| Dental(2 contracts, 2 carriers) | VOYA-STEALTH PARTNER GROUP | 1,429 | $1.4M |
| Vision(2 contracts, 2 carriers) | VOYA-STEALTH PARTNER GROUP | 1,429 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | VOYA-STEALTH PARTNER GROUP | 1,429 | $1.4M |
| Short-term disability | VOYA-STEALTH PARTNER GROUP | 448 | $966K |
| Long-term disability(2 contracts, 2 carriers) | VOYA-STEALTH PARTNER GROUP | 1,429 | $1.4M |
| Prescription drug | VOYA-STEALTH PARTNER GROUP | 448 | $966K |
| Stop-loss / reinsurancereinsurance | VOYA-STEALTH PARTNER GROUP | 448 | $966K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE | 681 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,429 | — |
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.