| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $48K | $48K | 6.38% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.43% |
| EARL BACON AGENCY INC3 Filed as: EARL LEE ELLIS | 607 SPURGEON STREET WAYCROSS, GA 31501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50K | $16K | $65K | 21.96% |
| JONI ANN JUMP3 | 336 PEACHTREE CIR DOUGLAS, GA 31533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $17K | 5.55% |
| RUSSELL L WARYE3 Filed as: RUSSELL GEORGE JUMP | 310 JIMMY LOTT LANE DOUGLAS, GA 31533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 4.82% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 3.67% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM TYRE | PO BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 3.59% |
| KASON R JUMP3 | 310 JIMMY LOTT LANE DOUGLAS, GA 31535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $475 | $7K | 2.27% |
| GEORGE JOEL WILLIAMS III3 Filed as: GEORGE JOEL WILLIAM III | 647 LUCY MOORE ROAD NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.62% |
| BRANDON GLENN MCMILLAN3 | 200 QUARTER HORSE TRAIL DOUGLAS, GA 31533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.43% |
| PAMELA MITCHELL ONEILL3 | 114 CLOVER HILL DRIVE KATHLEEN, GA 31047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $755 | $0 | $755 | 0.25% |
| JAMES SNOW3 | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $0 | $128 | 0.04% |
| MAVERICK BENEFITS GROUP3 | 208 FRANKLIN SQUARE BONAIRE, GA 31005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.03% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIR MACON, GA 31204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.01% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNORS WALK KATHLEEN, GA 31047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.01% |
| LISA A PERRI3 Filed as: LISA RILEY STRICKLAND | 6 GENTRY ST POOLER, GA 31322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.01% |
| KEVIN E HARRIS3 | 2033 RUSSETT WOODS TRAIL HOOVER, AL 35244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH RD MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $49K | $0 | $49K | 20.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HARTFORD LIFE AND ACCIDENT | $0 | $14K | $14K | 5.54% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 22.71% |
| VOLUNTARY BENEFITS AT WORK3 | 1090 HERSHEY DRIVE SE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $464 | $0 | $464 | 1.41% |
| JASON B WEST3 | 1701 BASS RD SUITE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $420 | $0 | $420 | 1.28% |
| STEVEN L BARKER3 | 2540 GRAHAM ROAD GRAY, GA 31032 | TRANSAMERICA LIFE INSURANCE COMPANY | $235 | $0 | $235 | 0.71% |
| WHITNEY L MILLWOOD3 | 3654 OGLEBAY DRIVE GREEN COVE SPRINGS, FL 32043 | TRANSAMERICA LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.22% |
| MICHAEL J MILLER3 | 716 GA HWY 137 W BUENA VISTA, GA 31803 | TRANSAMERICA LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.16% |
| CANDACE JACKSON3 | 118 MERCER ROAD SAVANNAH, GA 31411 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.07% |
| STEPHEN C SYNDER BENEFIT SOLUTIONS3 | 2012 DROVER STREET NORTHLAKE, TX 76247 | TRANSAMERICA LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.05% |
| REBECCA M BRYAN3 | 110 JAY COURT BRYON, GA 31008 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
| SUSAN A SITZ3 | 105 SIMONTON WAY SAINT SIMONS ISLAND, GA 31522 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
| ANNA S CHRISTIE3 | 4623 OLD CLUB RD STE 1500 MACON, GA 312104709 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.92% |
| AMELIA SELF3 | 6320 PEAKE RD MACON, GA 312103960 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.43% |
| JASON D HUGGINS3 | 3500 LENOX ROAD NE SUITE 1100 ATLANTA, GA 30326 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $306 | $0 | $306 | 1.07% |
| HENRY W MCCRAY3 | 64 STONEY CREEK RD SUITE 1100 HILTON HEAD ISLAND, SC 29928 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $122 | $0 | $122 | 0.43% |
| SCOTT GREENFIELD3 | 155 E BOCA RATON ROAD UNIT 301 BOCA RATON, FL 33432 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.07% |
| ANNA A STRIPLING4 | 234 VISTA CIRCLE MACON, GA 31204 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | $0 | $20 | 4.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $205K |
| SANFORD INSURANCE LLC EIN 27-1527603 BROKER | Other commissions Service code 55 | — | $58K |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 334 | $138K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 311 | $246K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $759K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 334 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.