| 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. | $72K | — | $72K | 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 | 3.60% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $19K | $29K | 5.34% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $17K | $22K | 4.33% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $15K | $46K | 13.86% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 7.73% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 6.74% |
| 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 | $5K | — | $5K | 2.88% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.72% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $709 | — | $709 | 0.42% |
| KEELER & ASSOCIATES3 | 221 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.92% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD SUITE 1102 ST SIMONS ISLAND, GA 31522 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.07% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.07% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | — | $654 | 0.77% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | — | $654 | 0.77% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | — | $654 | 0.77% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.69% |
| 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 | 2.86% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.69% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 0.76% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 0.76% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 0.76% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 0.42% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | ARAG INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.04% |
| 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 | $795 | — | $795 | 3.01% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $502 | — | $502 | 1.90% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 0.80% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 0.80% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 0.80% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.42% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.95% |
| 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 | $686 | — | $686 | 4.73% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $512 | — | $512 | 3.53% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181 | — | $181 | 1.25% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181 | — | $181 | 1.25% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181 | — | $181 | 1.25% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.75% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $441 | — | $441 | 9.71% |
| 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 | $190 | — | $190 | 4.18% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 2.91% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.10% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.10% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 1.10% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.66% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $155 | — | $155 | 9.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $52K |
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 | 3,456 | 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) | 3,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,601 | $1.4M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,124 | $192K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,042 | $880K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,033 | $720K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,537 | $518K |
| Other(10 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,249 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,124 | — |
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.