| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS IS, GA 31522 | AMERITAS LIFE INSURANCE CORP. | $76K | — | $76K | 5.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFITS ADVISORS LLC | 400 OCEAN BOULEVARD UNIT 1102 ST. SIMONS IS, GA 31522 | AMERITAS LIFE INSURANCE CORP. | $76K | — | $76K | 5.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 1.61% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 2.80% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $5K | $39K | 10.56% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 2.68% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | — | $20K | 9.74% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NC 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | — | $47K | 24.73% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BFT ADVISORS LLC | 400 OCEAN BOULEVARD SUITE 1102 ST SIMONS ISLAND, GA 31522 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 10.79% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 4.90% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.82% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.82% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.82% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NC 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.80% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 24.06% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BFT ADVISORS LLC | 400 OCEAN BOULEVARD SUITE 1102 ST SIMONS ISLAND, GA 31522 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 10.50% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.74% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.74% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.74% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $916 | — | $916 | 1.70% |
| MGNMRB INC3 | 225 MARINA DRIVE SAINT SIMONS ISLAND, GA 31522 | ARAG INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS IS, GA 31522 | AMERITAS LIFE INSURANCE CORP. | $448 | — | $448 | 5.01% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $834 | — | $834 | 23.88% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BFT ADVISORS LLC | 400 OCEAN BOULEVARD SUITE 1102 ST SIMONS ISLAND, GA 31522 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $363 | — | $363 | 10.39% |
| BROOME AGENCY INC3 | 1213 BAYTREET ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 4.47% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 2.72% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 2.72% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 2.72% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 2.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $258 | — | $258 | 8.75% |
| MCGINTY-GORDON AND ASSOCIATES3 Filed as: MCGINTY-GORDON & ASSOCIATES, INC. - | 225 MARINA DRIVE ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18 | — | $18 | 0.61% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J CUSTOM BENEFITS | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $50 | $105 | 13.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 3.38% |
| MGNMRB INC3 Filed as: MGNMRB INC D/B/A MC-GINTY-GORDON & | 225 MARINA DRIVE ST SIMONS ISLAND, GA 31522 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.38% |
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 | 1,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | AMERITAS LIFE INSURANCE CORP. | 1,732 | $3.1M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,463 | $209K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,143 | $946K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,133 | $814K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,794 | $318K |
| Other(8 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,249 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,463 | — |
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."
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.