| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFITS ADVISORS, LLC | 400 OCEAN BOULEVARD UNIT 1102 ST. SIMONS IS, GA 31522 | AMERITAS LIFE INSURANCE CORP. | $62K | — | $62K | 3.74% |
| MGNMRB INC3 | 11 TRADE STREET UNIT 101 BRUNSWICK, GA 31525 | AMERITAS LIFE INSURANCE CORP. | $21K | — | $21K | 1.26% |
| BENTECH INC3 | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68K | $9K | $76K | 7.21% |
| CARIE DEANNE CHANEY3 | 37 WEST FAIRMOUNT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $4K | $27K | 2.56% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFITS ADVISORS INC | 400 OCEAN BOULEVARD ST SIMONS ISLAND, GA 31522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 2.47% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $5K | $25K | 2.32% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $4K | $12K | 1.12% |
| MGNMRB INC3 | PO BOX 20668 ST SIMONS ISLAND, GA 31522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 1.02% |
| ROY CHILDRESS3 | 104 CLAY RIDGE ROAD COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $159 | $11K | 1.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $189 | $10K | 0.99% |
| JOHN MCILWAIN3 | 37 WEST FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $606 | $8K | 0.76% |
| SHERRON HOPPER3 | PO BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $55 | $5K | 0.52% |
| ROBERT E FENN3 | 179 LAKE LURE DRIVE ALMA, GA 31510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $65 | $4K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JAMES ROBERT WILLIS | 3 LOCKWOOD LANE SAVANNAH, GA 31411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $731 | $2K | 0.21% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NUMBER 4 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $681 | — | $681 | 0.06% |
| GEORGE JOEL WILLIAMS III3 Filed as: GEORGE JOEL WILLIAMS LII | 902 TANNER AVENUE NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | — | $505 | 0.05% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN ROAD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | — | $397 | 0.04% |
| JAMES SNOW3 | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 0.03% |
| YESENIA HENOHE OSORIO3 | 7712 JOHNNY MERCER BOULEVARD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $54 | $327 | 0.03% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 0.03% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.01% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.00% |
| MARTIN FINANCIAL GROUP3 Filed as: MARTIN FINANCIAL GROUP LLC | 315 COMMERCIAL DRIVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.00% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| THE WORKSITE GROUP LLC3 | 6 ELM STREET UNIT 5 MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| ABBI MCBEE3 | 156 NORTHEAST BROAD STREET JESUP, GA 31546 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| VICTORIA NICHOLS EVANS3 | 2240 MIKELL LAKE ROAD BRISTOL, GA 31518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JULIE S PERRY3 | PO BOX 663 BLOOMINGDALE, GA 31302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| HOLLER & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PARRISH J PEACHEE3 | 109 NORTH UNION STREET WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MICHAEL J ATKINS3 | 147 TUPELO CIRCLE BRUNSWICK, GA 31525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LISA JANE SNEED3 | 181 BRICKTON VILLAGE CIRCLE FLETCHER, NC 28732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TERRY J SILVERS3 Filed as: TERRY D GARRETT | 459 RUNNING FOX ROAD WEST COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 1.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.94% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | — | $32K | 9.19% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.11% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 4.19% |
| MCGINTY-GORDON AND ASSOCIATES3 Filed as: MCGINTY-GORDON & ASSOCIATES INC - S | 225 MARINA DRIVE ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 4.04% |
| MGNMRB INC3 | 225 MARINA DRIVE SAINT SIMONS ISLAND, GA 31522 | ARAG INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 8.20% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.81% |
| MGNMRB INC3 Filed as: MGNMRB INC DBA MC-GINTY-GORDON & AS | 225 MARINA DRIVE ST SIMONS ISLAND, GA 31522 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.45% |
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 | 1,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,766 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,541 | $232K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,183 | $917K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,167 | $791K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,009 | $300K |
| Other(6 contracts, 5 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,249 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,541 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.