| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARVIN SAMUEL STRODE3 | 9100 WHITE BLUFF ROAD SUITE 101 SAVANNAH, GA 31406 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 4.05% |
| CARTER THOMPSON INC3 | P O BOX 1890 DOUGLAS, GA 31534 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITEDHEALTHCARE INSURANCE COMPANY | $254 | — | $254 | 0.03% |
| MELANIE EDWARDS3 | 106 SWEET BAILEY COVE SAVANNAH, GA 31410 | AFLAC | $10K | $524 | $11K | 20.94% |
| CARTHER THOMPSON INC3 | 201 ASHLEY STREET DOUGLAS, GA 31533 | AFLAC | $5K | — | $5K | 9.41% |
| WHITNEY L MILLWOOD3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $3K | — | $3K | 4.88% |
| JAMIE R WALLACE3 | 3944 MURPHY CANONY ROAD SUITEC203 SAN DIEGO, CA 92123 | AFLAC | $2K | — | $2K | 4.53% |
| JEANNE S JONES3 | 118 TAYLOR CT RICHMOND HILL, GA 31324 | AFLAC | $2K | $5 | $2K | 3.73% |
| JAMIE R WALLACE3 | 105 SOUTHERN BLVD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $2K | — | $2K | 3.06% |
| BRANDI L REITER3 | 330 GOEBEL AVENUE SAVANNAH, GA 31405 | AFLAC | $220 | — | $220 | 0.42% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DRIVE NEWPORT, NC 28570 | AFLAC | $156 | — | $156 | 0.30% |
| JOHN MCILWAIN3 Filed as: JOHN H MAHONEY III | 2823 AIMAR AVE SAVANNAH, GA 31406 | AFLAC | $54 | — | $54 | 0.10% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 107 SOUTHERN BLVD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $8 | — | $8 | 0.02% |
| CARTER THOMPSON INC3 | 201 E ASHLEY STREET DOUGLAS, GA 31533 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 19.42% |
| CARTER THOMPSON INC3 | P O BOX 1890 DOUGLAS, GA 31534 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.46% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $888K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 137 | $71K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 113 | $51K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 113 | $51K |
| Other(3 contracts, 3 carriers) | AFLAC | 137 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.