| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 611 POINTE NORTH BLVD ALBANY, NY 30207 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $14K | $52K | 18.40% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $12K | 14.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $726 | $10K | 12.39% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 6.77% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 5.56% |
| CHAUNDRA F MILES-WALKER3 | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $115 | $4K | 5.10% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY STREET POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $567 | $3K | 4.01% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | 7 WINDWARD WAY SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $109 | $2K | 2.81% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $267 | $2K | 2.74% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $117 | $396 | 0.47% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $33 | $311 | 0.37% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $283K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $283K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $366K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $283K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $283K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.