| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 9.14% |
| GARY G OETGEN INC3 | PO BOX 14663 SAVANNAH, GA 31416 | UNITED HEALTHCARE INSURANCE COMPANY | $149 | $411 | $560 | 0.13% |
| DIGITAL INSURANCE LLC3 | PO BOX 9057 SAVANNAH, GA 31416 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 15.61% |
| DIGITAL INSURANCE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $616 | $6K | 5.61% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $201 | $5K | 4.67% |
| TOOMER VANDERHORST AIMAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $284 | $4K | 3.33% |
| JOYCE HERNDON-GARVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $465 | $2K | 2.01% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $67 | $1K | 1.12% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 1.06% |
| JULIE S PERRY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $58 | $1K | 0.97% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $878 | $102 | $980 | 0.88% |
| ADVANCED BENEFIT SYSTEM INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | $503 | $972 | 0.88% |
| GARY G OETGEN INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | — | $553 | 0.50% |
| BENEFIT COMMUNICATION SPECIALISTS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.08% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.04% |
| CARIE DEANNE CHANEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| DENTON H ROUSE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 207 | $415K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $126K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $126K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $237K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $126K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
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.