| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGINTY-GORDON AND ASSOCIATES3 | 225 MARINA DRIVE ST. SIMONS ISLAND, GA 31522 | LINCOLN FINANCIAL GROUP | $59K | — | $59K | 2.81% |
| MCGINTY-GORDON AND ASSOCIATES3 | 225 MARINA DRIVE PO BOX 20668 ST. SIMONS ISLAND, GA 31522 | AMERITAS | $57K | — | $57K | 5.00% |
| BENTECH INC3 Filed as: BENTECH | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE | $68K | $11K | $79K | 9.78% |
| MGNMRB INC3 | PO BOX 20668 ST. SIMONS ISLAND, GA 31522 | COLONIAL LIFE & ACCIDENT INSURANCE | $37K | — | $37K | 4.58% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W. FAIRMONT AVE. SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE | $18K | $14K | $31K | 3.90% |
| CARIE DEANNE CHANEY3 | 37 W. FAIRMONT AVE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE | $21K | $5K | $26K | 3.22% |
| ROY CHILDRESS3 | 104 CLAY RIDGE RD COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE | $10K | $533 | $11K | 1.31% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE & ACCIDENT INSURANCE | $10K | $541 | $10K | 1.28% |
| SHERRON HOPPER3 | PO BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE | $8K | $38 | $8K | 1.04% |
| MCGINTY-GORDON AND ASSOCIATES3 | 225 MARINA DRIVE ST. SIMONS ISLAND, GA 31522 | EYEMED VISION CARE | $17K | — | $17K | 9.51% |
| MCGINTY-GORDON AND ASSOCIATES3 Filed as: MCGINTY-GORDON & ASSOCIATES, INC. | 225 MARINA DRIVE ST. SIMONS ISLAND, GA 31522 | ARAG INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE & ACCIDENT LIFE INSURANCE | $88 | — | $88 | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $968K |
| AETNA BEHAVIORAL HEALTH EIN 20-0446713 PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $44K |
| SHDR BENEFIT CONSULTANTS EIN 56-1623293 PLAN ADMINISTRATOR | Claims processing Service code 12 | — | $38K |
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 | 4,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 1,781 | $1.1M |
| Vision | EYEMED VISION CARE | 4,085 | $175K |
| Life insurance | LINCOLN FINANCIAL GROUP | 2,472 | $2.1M |
| Short-term disability | LINCOLN FINANCIAL GROUP | 2,472 | $2.1M |
| Long-term disability | LINCOLN FINANCIAL GROUP | 2,472 | $2.1M |
| Other(4 contracts, 4 carriers) | LINCOLN FINANCIAL GROUP | 2,472 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,085 | — |
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.
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.