| 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 | $41K | $41K | 7.50% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.59% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH RD MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $49K | $0 | $49K | 18.48% |
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 4.85% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 6.62% |
| MCGRIFF INSURANCE SERVICES INC3 | 4951 FORSYTH ROAD FL 1 MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 3.25% |
| STEVEN L BARKER3 | 4116 ARKWRIGHT RD STE 2 MACON, GA 31210 | AFLAC | $5K | $276 | $5K | 6.64% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DR MACON, GA 31210 | AFLAC | $2K | $0 | $2K | 2.34% |
| SUSAN A SITZ3 | 50 AVIATOR PLZ STE 105C SAINT SIMONS ISLAND, GA 31522 | AFLAC | $1K | $106 | $1K | 1.41% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $903 | $106 | $1K | 1.28% |
| REBECCA M BRYAN3 | 110 JAY CT BYRON, GA 31008 | AFLAC | $802 | $179 | $981 | 1.24% |
| CANDACE JACKSON3 | 932 JOHN CARTER RD BLOOMINGDALE, GA 31302 | AFLAC | $262 | $0 | $262 | 0.33% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $167 | $0 | $167 | 0.21% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DR MCKINNEY, TX 75071 | AFLAC | $155 | $0 | $155 | 0.20% |
| CRYSTAL ELAINE THORN3 | 815 GLENWOOD AVE PERRY, GA 31069 | AFLAC | $130 | $0 | $130 | 0.16% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $115 | $0 | $115 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | AFLAC | $83 | $0 | $83 | 0.10% |
| MARY B MCDANIEL3 | 1623 MELVIN HARRIS RD MANCHESTER, GA 31816 | AFLAC | $67 | $0 | $67 | 0.08% |
| MORGAN LOUISE COOK3 | 57 CLIFTON DR FORSYTH, GA 31029 | AFLAC | $60 | $0 | $60 | 0.08% |
| TAMARA DIANNE NEWSOME3 | 238 VISTA CIR MACON, GA 31204 | AFLAC | $52 | $0 | $52 | 0.07% |
| JOHN E CARTER III3 | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $46 | $0 | $46 | 0.06% |
| FRANCINE A CHRISTIANSON3 | 240 VILLA RD BRUNSWICK, GA 31525 | AFLAC | $43 | $0 | $43 | 0.05% |
| TRAVERS W PAINE IV3 | PO BOX 14963 AUGUSTA, GA 30919 | AFLAC | $42 | $0 | $42 | 0.05% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $41 | $0 | $41 | 0.05% |
| BROOKE E SMITH3 | 1554 RUMBLE RD FORSYTH, GA 31029 | AFLAC | $39 | $0 | $39 | 0.05% |
| KEVIN H JACKSON3 | 103 EASTWICK CT MACON, GA 31210 | AFLAC | $39 | $0 | $39 | 0.05% |
| BRENT LEE EDENFIELD3 | 269 WHITE OAK ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $35 | $0 | $35 | 0.04% |
| MARIE V. ARMSTRONG & OTHER AGENTS3 Filed as: MARIE VERNIECE ARMSTRONG | 211 BUFORD PL MACON, GA 31204 | AFLAC | $33 | $0 | $33 | 0.04% |
| PATRICIA R ARWOOD3 | 851 CHRISTIAN RD JULIETTE, GA 31046 | AFLAC | $31 | $0 | $31 | 0.04% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $27 | $0 | $27 | 0.03% |
| AMY GREEN3 Filed as: AMY F GREEN | 606 E 45TH ST SAVANNAH, GA 31405 | AFLAC | $27 | $0 | $27 | 0.03% |
| JESSICA MONTGOMERY3 | 4232 KOZY KORNER RD CENTER VALLEY, PA 18034 | AFLAC | $26 | $0 | $26 | 0.03% |
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT INC | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $21 | $0 | $21 | 0.03% |
| JEFFREY S TAYLOR3 | 820 WHITE OAK DR NEWNAN, GA 30265 | AFLAC | $20 | $0 | $20 | 0.03% |
| TAMARA C MCBRYANT3 | 954 MATTHEWS DRIVE MACON, GA 31210 | AFLAC | $16 | $0 | $16 | 0.02% |
| KIMBERLY W MANDERS3 | 4232 QUAIL SPRINGS CIRCLE MARTINEZ, GA 30907 | AFLAC | $14 | $0 | $14 | 0.02% |
| WAYNE GULLATT3 | PO BOX 6253 MACON, GA 31208 | AFLAC | $11 | $0 | $11 | 0.01% |
| SUE C TUCKER3 | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $9 | $0 | $9 | 0.01% |
| WILLIAM FARMER3 Filed as: WILLIAM G FARMER | 712 IRONGATE MACON, GA 31220 | AFLAC | $8 | $0 | $8 | 0.01% |
| LAWRENCE F THAMES3 | 2951 MARINA BAY DR STE 130-666 LEAGUE CITY, TX 77573 | AFLAC | $8 | $0 | $8 | 0.01% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $8 | $0 | $8 | 0.01% |
| STEPHAN E CHEEK3 Filed as: STEPHAN CHEEK | 470 S HOUSTON LAKE ROAD FRNT WARNER ROBINS, GA 31088 | AFLAC | $8 | $0 | $8 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $7 | $0 | $7 | 0.01% |
| DUSTI M ARMSTRONG3 | 84 MCDONALD DR BYRON, GA 31008 | AFLAC | $7 | $0 | $7 | 0.01% |
| LYNN SIMS3 Filed as: LYNN M SIMS | 143 RYAN NICHOLAS DRIVE KINGSLAND, GA 31548 | AFLAC | $6 | $0 | $6 | 0.01% |
| KIMBERLY D FARMER3 | 286 RUE CARIBE MIRAMAR BEACH, FL 32550 | AFLAC | $3 | $0 | $3 | 0.00% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $3 | $0 | $3 | 0.00% |
| ANA MARIE GARCIA SMITH3 | 4054 FAWNIE LANE KNOXVILLE, TN 37918 | AFLAC | $3 | $0 | $3 | 0.00% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $2 | $0 | $2 | 0.00% |
| EMILY E INTOPPA3 | PO BOX 66 BOLINGBROKE, GA 31004 | AFLAC | $1 | $0 | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $1 | $0 | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK RD CARROLLTON, GA 30117 | AFLAC | $1 | $0 | $1 | 0.00% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 8.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4951 FORSYTH RD FL 1 MACON, GA 312104467 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 4.93% |
| JASON B WEST3 | 701 BASS RD SUITE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.65% |
| STEVEN L BARKER3 | 2540 GRAHAM ROAD GRAY, GA 31032 | TRANSAMERICA LIFE INSURANCE COMPANY | $878 | $0 | $878 | 2.28% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $824 | $0 | $824 | 2.14% |
| REBECCA M BRYAN3 | 110 JAY COURT BRYON, GA 31008 | TRANSAMERICA LIFE INSURANCE COMPANY | $477 | $0 | $477 | 1.24% |
| SUSAN A SITZ3 | 105 SIMONTON WAY SAINT SIMONS ISLAND, GA 31522 | TRANSAMERICA LIFE INSURANCE COMPANY | $87 | $0 | $87 | 0.23% |
| WHITNEY L MILLWOOD3 | 14727 SILVER GLEN DR E JACKSONVILE, FL 32258 | TRANSAMERICA LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.18% |
| MICHAEL J MILLER3 | 716 GA HWY 137 W BUENA VISTA, GA 31803 | TRANSAMERICA LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.18% |
| CANDACE JACKSON3 | 118 MERCER RD SAVANNAH, GA 31411 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.06% |
| STEPHEN C SYNDER BENEFIT SOLUTIONS3 | 2012 DROVER STREET NORTHLAKE, TX 76247 | TRANSAMERICA LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| ANNA S CHRISTIE3 | 4623 OLD CLUB RD STE 1500 MACON, GA 312104709 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.21% |
| AMELIA SELF3 | 6320 PEAKE RD MACON, GA 312103960 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.25% |
| SCOTT GREENFIELD3 | 150 E PALMETTO PARK RD SUITE 800 BOCA RATON, FL 33432 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $472 | $89 | $561 | 2.20% |
| HENRY W MCCRAY3 | 64 STONEY CREEK RD SUITE 1100 HILTON HEAD ISLAND, SC 29928 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $114 | $0 | $114 | 0.45% |
| ANNA A STRIPLING4 | 234 VISTA CIRCLE MACON, GA 31204 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 4.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $261K |
| SANFORD INSURANCE LLC EIN 27-1527603 BROKER | Other commissions Service code 55 | — | $44K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $15K |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 565 | $224K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 565 | $224K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 565 | $224K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 387 | $218K |
| Short-term disability | AFLAC | 51 | $79K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 355 | $265K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 267 | $553K |
| Other(4 contracts, 4 carriers) | AFLAC | 387 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.