| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 8004 SAVANNAH, GA 314128004 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $117 | $117 | 0.20% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1011 WHITAKER ST. SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.87% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PITCHARD INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $141 | $2K | 7.73% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY STE 10 SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $814 | $90 | $904 | 4.28% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | $45 | $382 | 1.81% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS RD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $82 | $375 | 1.78% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | $34 | $346 | 1.64% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $85 | $238 | 1.13% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $0 | $193 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD CHAROLETTE, NC 28211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.35% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.35% |
| THE CLARK GROUP OF SC3 | 898 ROPER RD LAURENS, SC 29360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.24% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY ST POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.20% |
| LAURA MCCLUNG PLYLER3 | 201 CAUGHMAN FARM LN LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.19% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.19% |
| EDWIN DURANT SPRADLEY3 | 302 CHESTNUT ST ST MATTHEWS, SC 29135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JAMES ROBERT WILLIS | 3 LOCKWOOD LN SAVANNAH, GA 31411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST. SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.82% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST. SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $813 | $2K | 23.17% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OHMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST. SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $116 | $116 | — |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $60K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $60K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $21K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.