| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | PO BOX 724137 ATLANTA, GA 31139 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | $113K | — | $113K | 4.74% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $4K | $9K | 14.52% |
| ASSUREDPARTNERS4 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 2.29% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $3K | $6K | 12.78% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $710 | — | $710 | 1.60% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $2K | $5K | 14.93% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $609 | — | $609 | 1.71% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $66 | $2K | 7.92% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $665 | — | $665 | 2.89% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $513 | $10 | $523 | 2.27% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $340 | $85 | $425 | 1.85% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $15 | $248 | 1.08% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $198 | $45 | $243 | 1.06% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.49% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.39% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.38% |
| EDWIN DURANT SPRADLEY3 | 302 CHESTNUT ST ST. MATTHEWS, SC 29135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.23% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.10% |
| CARMEN CUTRONE3 | 4920 MORRO BLVD PORTSMOUTH, VA 23703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.08% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC. | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $1K | $3K | 12.73% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $644 | — | $644 | 3.28% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $764 | — | $764 | 6.69% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 2.99% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 2.07% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 1.30% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.88% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.53% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.51% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.39% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.30% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC. | 2500 CUMBERLAND PKWY STE 400 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $949 | $90 | $1K | 12.32% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $36 | $428 | 5.08% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $15 | $424 | 5.03% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $65 | $300 | 3.56% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $63 | $146 | 1.73% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 1.40% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.39% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L HANNAH | 20 PUTTERS PLACE SAVANNAH, GA 31419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.20% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.18% |
| EDWIN DURANT SPRADLEY3 | 302 CHESTNUT ST ST. MATTHEWS, SC 29135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 138 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 143 | $92K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 139 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 144 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 143 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 145 | $36K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 144 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.