| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 12.90% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC | 1612 MARION STREET COLUMBIA, SC 29201 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.72% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.64% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $414 | $0 | $414 | 1.65% |
| KATHY SUE ENOCHS3 | 12770 MERIT DRIVE SUITE 200 PARK CENTRAL 8 DALLAS, TX 75251 | TOKIO MARINE HCC | $1K | $0 | $1K | 10.00% |
| IMAGINE3603 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $0 | $368 | $368 | 2.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 27-0290866 TPA | Claims processing Service code 12 | — | $17K |
| PROCARE PHARMACY BENEFIT MANAGER IN EIN 58-2422694 RX | Direct payment from the plan Service code 50 | — | $10K |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $155K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $155K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $155K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $155K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $155K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 153 | $243K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 113 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
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.