| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | AETNA LIFE INSURANCE COMPANY | $83K | $75 | $83K | 5.18% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 2500 CUMBERLAND PKWY SUITE 400 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 9.58% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 18.80% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.16% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.72% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $469 | $2K | 7.33% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $284 | $146 | $430 | 1.65% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $340 | $75 | $415 | 1.59% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PKWY SUITE 400 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $366 | — | $366 | 1.41% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $9 | $236 | 0.91% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | $65 | $225 | 0.86% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP RD SWANSEA, SC 29160 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.78% |
| CARMEN CUTRONE3 | 4509 HUNTERS POINT DRIVE PORTSMOUTH, VA 23703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $1 | $191 | 0.73% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $5 | $173 | 0.66% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $8 | $167 | 0.64% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $37 | $117 | 0.45% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $22 | $110 | 0.42% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $15 | $103 | 0.40% |
| DAVID COLIN RICE3 | 123 OLD VILLAGE LANE N. TOPSAIL BEACH, NC 28460 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $17 | $83 | 0.32% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $35 | $68 | 0.26% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $11 | $36 | 0.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.13% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $10 | $27 | 0.10% |
| MORRIS POWELL3 | 5002 BLUE GRASS CT WILMINGTON, NC 28409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JERRY DUNCAN3 Filed as: JERRY FORBIS JR | PO BOX 1025 PIKEVILLE, NC 27863 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $960 | $3K | 16.07% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.02% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $324 | $936 | 9.03% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $37 | $528 | 5.09% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $119 | $418 | 4.03% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 2.67% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $121 | $270 | 2.60% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $48 | $243 | 2.34% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $33 | $228 | 2.20% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $57 | $178 | 1.72% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $5 | $63 | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 710 JOHNNIE DODDS BOULEVARD SUITE 100 MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.26% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 6.98% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $35 | $262 | 4.43% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $154 | $61 | $215 | 3.63% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 3.06% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $24 | $122 | 2.06% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $17 | $115 | 1.94% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $30 | $94 | 1.59% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $31 | $94 | 1.59% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $1 | $63 | 1.06% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $1 | $47 | 0.79% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.47% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWAMP RD SWANSEA, SC 29160 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.42% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.08% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 281 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $97K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $97K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $28K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.