| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY K. JONES3 | 109 ROBIN ROAD SAVANNAH, GA 31419 | AFLAC | $9K | $725 | $10K | 13.34% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD | 107 SOUTHERN BOULEVARD, SUITE 103 SAVANNAH, GA 31405 | AFLAC | $3K | $145 | $3K | 3.96% |
| CHARLES H WEISSBERGER3 | 308 GRAHAM AVENUE SE RENTON, WA 98059 | AFLAC | $1K | $17 | $1K | 1.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES AND OTHER AGENTS | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31412 | AFLAC | $902 | $0 | $902 | 1.21% |
| MARY FRANCES JONES3 | 340 OXFORD DRIVE SAVANNAH, GA 31405 | AFLAC | $791 | $0 | $791 | 1.06% |
| CHARLES H WEISSBERGER3 Filed as: CHARLES H. WEISSBERGER | 107 SOUTHERN BOULEVARD, SUITE 103 SAVANNAH, GA 31405 | AFLAC | $578 | $128 | $706 | 0.95% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | AFLAC | $387 | $0 | $387 | 0.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HUMANA INSURANCE COMPANY | $6K | $672 | $6K | 11.16% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 91 | $75K |
| Dental | HUMANA INSURANCE COMPANY | 139 | $57K |
| Vision | AFLAC | 91 | $75K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $62K |
| Other(2 contracts, 2 carriers) | AFLAC | 152 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.