| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 1001 WHITAKER ST. SAVANNAH, GA 31401 | COMPANION LIFE INSURANCE | $41K | — | $41K | 15.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.17% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | THE STANDARD INSURANCE COMPANY | $12K | — | $12K | 17.68% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 1001 WHITAKER ST. SAVANNAH, GA 31401 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $7 | $279 | 2.35% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $0 | $278 | 2.34% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 1.58% |
| JOYCE HERNDON-GARVIN3 Filed as: JOYCE HERNDON-GAVIN | 18 HANGING MOSS RD. SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $1 | $42 | 0.35% |
| BRENDA GAIL PATE3 | 12050 LAKESHORE WAY OXFORD, FL 34484 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.31% |
| LISA RILEY STICKLAND3 | 145 RIVER LANDING DRIVE POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.30% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $2 | $33 | 0.28% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.20% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES INC | 9795 GATEWAY DR. RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| THOMAS W BLALOCK3 | 690 BUTTERMILD RD. BLOUTVILLE, TN 37617 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $587 | — | $587 | 6.78% |
| ANDREW L MOORE3 | 4695 MACARTHUR CR STE 1000 NEWPORT BEACH, CA 926601865 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $84 | — | $84 | 0.97% |
| JAMES MASON HEIDT3 | 7393 HODGSON MEMORIAL SR STE 201 SAVANNAH, GA 31406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| SISCO | — | SISCO | — | $38K | $38K | — |
| CIGNA Filed as: CIGNA/GREAT WEST HEALTH | — | CIGNA/GREAT WEST HEALTH | — | $15K | $15K | — |
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 | 85 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3 | $92K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 70 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 92 | $76K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 92 | $77K |
| Prescription drug | RXBENEFITS, INC. | 80 | $0 |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 84 | $274K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 83 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.