| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY G OETGEN INC3 | PO BOX 14663 SAVANNAH, GA 31416 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | $2K | $38K | 5.11% |
| DIGITAL INSURANCE LLC3 | PO BOX 9057 SAVANNAH, GA 31416 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 15.33% |
| GARY G OETGEN INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 6.73% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $401 | $6K | 5.62% |
| TOOMER VANDERHORST AIMAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $442 | $5K | 4.30% |
| JOYCE HERNDON-GARVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $719 | $3K | 2.58% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $99 | $2K | 1.60% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $206 | $2K | 1.49% |
| ADVANCED BENEFIT SYSTEM INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $481 | $1K | 0.96% |
| JULIE S PERRY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $950 | $42 | $992 | 0.94% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $785 | $41 | $826 | 0.79% |
| BENEFIT COMMUNICATION SPECIALISTS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.10% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.05% |
| CARIE DEANNE CHANEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| DENTON H ROUSE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $742K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $122K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $227K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $122K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.