| 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 | DELTA DENTAL INSURANCE COMPANY | $67K | — | $67K | 5.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102/1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $11K | $18K | 2.19% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102/1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $11K | $18K | 4.12% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102/1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $10K | $45K | 10.10% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 | 400 OCEAN BOULEVARD UNIT 1102/1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $11K | $16K | 3.53% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 7.23% |
| 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 | $7K | — | $7K | 3.10% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 2.96% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.30% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | — | $16K | 12.05% |
| 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 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.54% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE 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 | 7.54% |
| 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 | 3.24% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.09% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | ARAG INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFITADVISORS, LLC | 400 OCEAN BLVD SUITE 1102 SAINT SIMONS ISLAND, GA 31522 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.51% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES, INC | 2209 1ST AVE PLATTSMOUTH, NE 68048 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.21% |
| VBW INSURANCE SERVICES, INC3 | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $650 | — | $650 | 1.55% |
| DANIEL TRZOS3 | PO BOX 160235 ATLANTA, GA 30316 | TRANSAMERICA LIFE INSURANCE COMPANY | $621 | — | $621 | 1.49% |
| PHILIP L HOTTEL3 | 1554 TENNESSEE WALKER DR ROSEWELL, GA 30075 | TRANSAMERICA LIFE INSURANCE COMPANY | $71 | — | $71 | 0.17% |
| JAIME K GIRMUS3 | 2209 1ST AVE PLATTSMOUITH, NE 68048 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.88% |
| 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 | $915 | — | $915 | 3.82% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $867 | — | $867 | 3.62% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $743 | — | $743 | 3.11% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.06% |
| 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 | $589 | — | $589 | 4.34% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | — | $562 | 4.14% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $505 | — | $505 | 3.72% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $402 | — | $402 | 12.24% |
| 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 | $174 | — | $174 | 5.30% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | — | $165 | 5.03% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | — | $157 | 4.78% |
| MCGINTY-GORDON AND ASSOCIATES3 Filed as: MCGINTY-GORDON & ASSOCIATES | 225 MARINA DRIVE PO BOX 20668 ST SIMONS, GA 31522 | ZURICH AMERICAN INSURANCE COMPANY | $468 | — | $468 | 15.00% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BOULEVARD SUITE 1102 ST. SIMONS ISLAND, GA 31522 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $134 | — | $134 | 12.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $45K |
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 | 1,966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,301 | $1.3M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,212 | $137K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,011 | $936K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,959 | $828K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,718 | $439K |
| Other(10 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,011 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,301 | — |
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.