| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.22% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.16% |
| STANFORD INSURANCE3 Filed as: STANFORD INSURANCE LLC | 4468 FORSYTH RD MACON, GA 31210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 10.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON ST FL 46 CHARLOTTE, NC 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $236 | $3K | 8.37% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $212 | $2K | 6.76% |
| STANFORD INSURANCE3 | 4468 FORSYTH RD MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 28530 MACON, GA 31221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.90% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.96% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | ALLSTATE BENEFITS | $166 | $0 | $166 | 2.56% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | ALLSTATE BENEFITS | $164 | $0 | $164 | 2.53% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.82% |
| MCGRIFF INSURANCE SERVICES INC0 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $995 | $0 | $995 | 15.71% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.52% |
| STANFORD INSURANCE3 | 4468 FORSYTH RD MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $240 | $0 | $240 | 10.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 28530 MACON, GA 31221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | $0 | $112 | 4.76% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $56K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $56K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12 | $28K |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 56 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.