| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANFORD INSURANCE3 Filed as: STANFORD INSURANCE LLC | 4468 FORSYTH RD MACON, GA 31210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 12.14% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 4.57% |
| STANFORD INSURANCE3 | 4468 FORSYTH RD MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 16.65% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.89% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $377 | $0 | $377 | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $376 | $0 | $376 | 1.77% |
| STANFORD INSURANCE3 | 4468 FORSYTH RD MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $555 | $0 | $555 | 16.60% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | $0 | $231 | 14.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.95% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.89% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 18.08% |
| MARSH & MCLENNAN AGENCY LLC0 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.36% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.36% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $130K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $130K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $50K |
| Other(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.