| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $0 | $28K | 20.29% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 5.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 S CALDWELL ST SUITE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 2.07% |
| SANFORD INSURANCE LLC3 | 4468 FORSYTH ROAD MACON, GA 31210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 11.34% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 5.67% |
No Schedule C service providers reported on this filing.
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 | 210 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $108K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $108K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $138K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $138K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $138K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 167 | $785K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.