| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | PO BOX 9057 SAVANNAH, GA 31416 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $7K | $24K | 16.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 18.60% |
| GARY G OETGEN INC5 | PO BOX 14663 SAVANNAH, GA 31416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.17% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD#206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.84% |
| DIGITAL INSURANCE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $54 | $601 | 1.83% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $572 | $3 | $575 | 1.75% |
| TOOMER VANDERHORST AIMAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | $30 | $342 | 1.04% |
| JOYCE HERNDON-GARVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $17 | $218 | 0.66% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $3 | $146 | 0.44% |
| JULIE S PERRY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $1 | $108 | 0.33% |
| ADVANCED BENEFIT SYSTEM INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $15 | $83 | 0.25% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $1 | $78 | 0.24% |
| TERRY J SILVERS3 Filed as: TERRY JOSEPH BRENNAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $1 | $76 | 0.23% |
| BENEFIT COMMUNICATION SPECIALISTS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| CARIE DEANNE CHANEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| HOLLERN & ASSOCIATES INCORPORATED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $147K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $147K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $247K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $67K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $214K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.