| 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. | $74K | — | $74K | 5.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $19K | $26K | 3.32% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $19K | $29K | 4.98% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $15K | $19K | 4.33% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $16K | $47K | 12.81% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 10.39% |
| 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 | $10K | — | $10K | 4.49% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.08% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.67% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | EYEMED VISION CARE | $19K | — | $19K | 11.00% |
| KEELER & ASSOCIATES3 | 221 SOUTH 23RD STREET PLATTSMOUTH, NC 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 6.69% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD SUITE 1102 ST SIMONS ISLAND, GA 31522 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $737 | — | $737 | 0.74% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $737 | — | $737 | 0.74% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $737 | — | $737 | 0.74% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.58% |
| 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 | $3K | — | $3K | 4.57% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.13% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $901 | — | $901 | 1.21% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $901 | — | $901 | 1.21% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $901 | — | $901 | 1.21% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $504 | — | $504 | 0.68% |
| MGNMRB INC3 | 225 MARINA DRIVE SAINT SIMONS ISLAND, GA 31522 | ARAG INSURANCE COMPANY | $4K | — | $4K | 8.70% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | ARAG INSURANCE COMPANY | $1K | — | $1K | 3.30% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.94% |
| 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 | $2K | — | $2K | 4.73% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $830 | — | $830 | 2.22% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $468 | — | $468 | 1.25% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $468 | — | $468 | 1.25% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $468 | — | $468 | 1.25% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | — | $259 | 0.69% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NC 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.82% |
| 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 | $742 | — | $742 | 5.12% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | — | $379 | 2.62% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 1.35% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 1.35% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 1.35% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.75% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | EYEMED VISION CARE | $152 | — | $152 | 8.79% |
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 | 1,592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,608 | $1.5M |
| Vision(2 contracts) | EYEMED VISION CARE | 3,154 | $172K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,985 | $948K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,977 | $780K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,648 | $439K |
| Other(8 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,249 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,154 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.