| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCART GROUP INC3 Filed as: THE MCCART GROUP | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $129K | $152K | 5.17% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 13.67% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $872 | — | $872 | 1.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 13.74% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $639 | — | $639 | 1.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 13.74% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $461 | — | $461 | 1.26% |
| THE MCCART GROUP INC3 Filed as: MCCART INSURANCE AND RISK MGMT | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 300969022 | VISION SERVICE PLAN | $732 | — | $732 | 2.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | VISION SERVICE PLAN | $643 | — | $643 | 2.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE MCCART GROUP BROKER | Contract Administrator; Plan Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $2K |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 378 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 378 | $2.9M |
| Vision | VISION SERVICE PLAN | 241 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $61K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $37K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.