| 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 | $38K | $14K | $52K | 6.76% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 0.55% |
| EARL BACON AGENCY INC3 Filed as: EARL LEE ELLIS | 607 SPURGEON STREET WAYCROSS, GA 31501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | $1K | $33K | 11.33% |
| JONI ANN JUMP3 | 310 JIMMMY LOTT LANE DOUGLAS, GA 31535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $972 | $6K | 2.20% |
| RUSSELL L WARYE3 Filed as: RUSSELL GEORGE JUMP | 310 JIMMY LOTT LANE DOUGLAS, GA 31533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $543 | $6K | 1.98% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM TYRE | PO BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $730 | $4K | 1.26% |
| KASON R JUMP3 | 310 JIMMY LOTT LANE DOUGLAS, GA 31535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $248 | $4K | 1.21% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.17% |
| GEORGE JOEL WILLIAMS III3 Filed as: GEORGE JOEL WILLIAM III | 647 LUCY MOORE ROAD NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.34% |
| PAMELA MITCHELL ONEILL3 | 114 CLOVER HILL DRIVE KATHLEEN, GA 31047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $0 | $425 | 0.14% |
| ZHANE NAOMI ELLIS3 | 2007 CRESWELL WAYCROSS, GA 31503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $88 | $342 | 0.12% |
| BRANDON GLENN MCMILLAN3 | 200 QUARTER HORSE TRAIL DOUGLAS, GA 31533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $0 | $272 | 0.09% |
| JAMES SNOW3 | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.03% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIR MACON, GA 31204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.01% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNORS WALK KATHLEEN, GA 31047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH RD MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $47K | $0 | $47K | 20.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HARTFORD LIFE AND ACCIDENT | $0 | $14K | $14K | 5.79% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 10.00% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH RD MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| ANNA CHRISTIE4 | 4323 OLD CLUB ROAD MACON, GA 31210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | $0 | $22 | 100.00% |
| ANNA S CHRISTIE3 | 4623 OLD CLUB RD STE 1500 MACON, GA 312104709 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
| AMELIA SELF3 | 6320 PEAKE RD MACON, GA 312103960 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $542 | $0 | $542 | — |
| HENRY W MCCRAY3 | 64 STONEY CREEK RD SUITE 1100 HILTON HEAD ISLAND, SC 29928 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $122 | $0 | $122 | — |
| SCOTT GREENFIELD3 | 4114 NW BRIARCLIFF CIR BOCA RATON, FL 33496 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $39 | $0 | $39 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $165K |
| SANFORD INSURANCE LLC EIN 27-1527603 BROKER | Other commissions Service code 55 | — | $51K |
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 | 386 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,165 | $224K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,165 | $224K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 323 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 315 | $234K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $773K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 355 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.