| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 10.00% |
| THE CASON GROUP INC3 | 1612 MARION ST SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $2K | $6K | 7.47% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH ROAD MACON, GA 31210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.81% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.62% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH ROAD MACON, GA 31210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH ROAD MACON, GA 31210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH ROAD MACON, GA 31210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $796 | $0 | $796 | 14.99% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 MED CARRIER | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $56K |
| SANFORD INSURANCE LLC BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 4468 FORSYTH ROAD MACON, GA 31210 | $0 |
| THE CASON GROUP INC BROKER | Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | PO BOX 11229 COLUMBIA, SC 29211 | $0 |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $83K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $83K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $27K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 97 | $573K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.