| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE ROAD NW STE 475 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW SUITE 475 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 10.95% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $974 | $4K | 7.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | PO BOX 745184 ATLANTA, GA 30374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.59% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $460 | $2K | 2.79% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | $58 | $643 | 1.11% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | — | $624 | 1.07% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $254 | $616 | 1.06% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DRIVE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $60 | $479 | 0.82% |
| MICHAEL ANTHONY ROCHEFORT3 | 208 COMMODORE DRIVE SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | — | $403 | 0.69% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $11 | $222 | 0.38% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | — | $137 | 0.24% |
| EMERSON D COWART3 | 139 DRAYTON STREET SAVANNAH, GA 31401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.10% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMOT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| CARIE CHANEY HUNSINGER3 | 8 CARETAKER LANE SAVANNAH, GA 31404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| MAGGIE DANIEL COLEY3 | 29 OLDE GATE COURT POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DRIVE RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 746 | 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) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 832 | $138K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 832 | $138K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 832 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.