| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH DBA MAESTRO | 2401 SARDIS ROAD, N#110 CHARLOTTE, NC 28227 | COMPANION LIFE INSURANCE | — | $21K | $21K | 8.06% |
| STERLING SEACREST PRITCHARD, INC. Filed as: STERLING SEACREST PRITCHARD, INC | 1001 WHITAKER ST. SAVANNAH, GA 31401 | COMPANION LIFE INSURANCE | — | — | $0 | 0.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 9.16% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | THE STANDARD INSURANCE COMPANY | $10K | — | $10K | 13.75% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | 2500 CUMBERLAND PKWY SE, STE 400 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP. | $1K | $70 | $2K | 10.47% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 2.20% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 2.13% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 1.75% |
| JOYCE HERNDON-GARVIN3 Filed as: JOYCE HERNDON-GAVIN | 18 HANGING MOSS RD. SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.36% |
| BRENDA GAIL PATE3 | 12050 LAKESHORE WAY OXFORD, FL 34484 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.33% |
| LISA RILEY STICKLAND3 | 145 RIVER LANDING DRIVE POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.32% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.28% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.21% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES INC | 9795 GATEWAY DR. RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CARIE DEANNE CHANEY3 Filed as: CARIE CHANEY HUSINGER | 8 CARETAKERS LANE SAVANNAH, GA 31404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC | 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 | $538 | — | $538 | 6.08% |
| ANDREW L MOORE3 | 1700 S PAVILION CENTER DR STE 320 LAS VEGAS, NV 89135 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $77 | — | $77 | 0.87% |
| JAMES MASON HEIDT3 | 7393 HODGSON MEMORIAL SR STE 201 SAVANNAH, GA 31406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
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 | 86 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $89K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 73 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 98 | $83K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 98 | $83K |
| Prescription drug | RXBENEFITS, INC. | 87 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts) | COMPANION LIFE INSURANCE | 87 | $444K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.