| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | EXPRESS SCRIPTS, INC. | $4K | $0 | $4K | 2.00% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | GREATER GEORGIA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.30% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $14K | $0 | $14K | 8.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $1K | $0 | $1K | 0.82% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | UNITED AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 7.48% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896220 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $759 | $3K | 51400.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 MEDICAL | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $247K |
| MCGRIFF INSURANCE SERVICES LLC AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 223 W NASH ST WILSON, NC 27893 | $0 |
| SANFORD INSURANCE LLC AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 4468 FORSYTH ROAD MACON, GA 31210 | $0 |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 71 | $123K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 164 | $163K |
| Life insurance(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 148 | $169K |
| Long-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 148 | $169K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 71 | $218K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 155 | $165K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $6 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.