| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 2066 BIRMINGHAM, AL 35201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $531 | $3K | 4.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $656 | — | $656 | 0.98% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | TWO RAVINIA DRIVE, SUITE 750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| MARY K. JONES3 Filed as: MARY K JONES | 109 ROBIN ROAD SAVANNAH, GA 31419 | AFLAC | $4K | $653 | $4K | 9.00% |
| WHITNEY L MILLWOOD3 | 6001 CHATHAM CENTER DRIVE SUITE 190 SAVANNAH, GA 31405 | AFLAC | $1K | $131 | $1K | 2.51% |
| MARY FRANCES JONES3 | 340 OXFORD DRIVE SAVANNAH, GA 31405 | AFLAC | $1K | — | $1K | 2.16% |
| CHARLES H WEISSBERGER3 | 6001 CHATHAM CENTER DRIVE SUITE 190 SAVANNAH, GA 31405 | AFLAC | $734 | $131 | $865 | 1.76% |
| WILLAIM L AMOS III3 | 6801 RIVER ROAD, SUITE 205 COLUMBUS, GA 31904 | AFLAC | $297 | $130 | $427 | 0.87% |
| MJ INSURANCE3 Filed as: PERI KYRIACOS AND VARIOUS AGENTS | 101 WINDFIELD DRIVE SAVANNAH, GA 31406 | AFLAC | $408 | — | $408 | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | SEVEN EAST STREET, SUITE 1002 SAVANNAH, GA 31412 | AFLAC | $370 | — | $370 | 0.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | SEVEN EAST CONGRESS STREET SUITE 100 SAVANNAH, GA 31401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | PO BOX 9052560 CHARLOTTE, NC 28290 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.87% |
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 | 144 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $67K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $36K |
| Other(2 contracts, 2 carriers) | AFLAC | 144 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.