| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET STREET STE 213 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $6K | — | $6K | 9.60% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $319 | $2K | 7.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $279 | $2K | 7.35% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK HARDEMAN | FRANK HARDEMAN III AGENCY SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 1.07% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $117 | $304 | 0.99% |
| CARIE CHANEY HUNSINGER3 | 8 CARETAKERS LANE SAVANNAH, GA 31404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $37 | $227 | 0.74% |
| BURT INSURANCE GROUP LLC3 Filed as: BURT INSURANCE GROUP | 4721 CIRCLE DR COLUMBIA, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $47 | $87 | 0.28% |
| JOHN MCILWAIN3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.13% |
| GEORGE JOEL WILLIAMS III3 | 647 LUCY MOORE RD NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| YESENIA HENOHE OSORIO3 | 13611 ISHNALA CIRCLE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| EARL BACON AGENCY INC3 Filed as: EARL LEE ELLIS | 607 SPURGEON ST WAYCROSS, GA 31501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.03% |
| CAROL JACQUES3 | 2311 CANYON RIDGE DRIVE BROADBROOK, CT 06016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| RUSSELL L WARYE3 Filed as: RUSSELL GEORGE JUMP | 336 PEACHTREE CIRCLE DOUGLAS, GA 31533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM TYRE | PO BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| RELIANCE BENEFITS, LLC3 | 800 MARKET STREET STE 213 CHATTANOOGA, TN 37402 | GREATER GEORGIA LIFE INSURANCE COMPANY | $779 | — | $779 | 12.54% |
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 | 111 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 103 | $59K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 103 | $59K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $37K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $31K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.