| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $177K | $177K | 2.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $63K | $63K | 0.95% |
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 0.84% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 3.93% |
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 3.69% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.22% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY SUITE 1080 EDISON, NJ 08817 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 9.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $171 | $3K | 4.22% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROP LLC | 2035 LINOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.57% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $122 | $1K | 2.95% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY SUITE 1080 EDISON, NJ 08817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.31% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.77% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | $119 | $399 | 0.85% |
| DENISE J LEWIS-YOUNG3 Filed as: DENISE J LEWIS YOUNG | 2774 NIBLICK WAY DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $3K | — | $3K | 9.21% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $2K | $607 | $2K | 7.96% |
| DAVID TYLER BURRUS3 | 254 STRATHAVEN LANE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $262 | $681 | $943 | 3.24% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $488 | $411 | $899 | 3.09% |
| ERICA R STEPHENSON3 | 600 ALLANA COURT STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $896 | — | $896 | 3.08% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS BENEFITS INC | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $288 | $175 | $463 | 1.59% |
| GAB INTERNATIONAL LLC3 | 67 ASHTON PLACE NEWNAN, GA 30265 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $163 | — | $163 | 0.56% |
| FRIDA JANVIER3 | 750 WETHERBORN PLACE STONE MOUNTAIN, GA 30083 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $162 | — | $162 | 0.56% |
| COURTNAY STEPHENSON WARNER3 | 600 ALLANA COURT STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $76 | — | $76 | 0.26% |
| DEBRA E RUSSELL3 | 129 COLONIAL STREET SE PORT CHARLOTTE, FL 33952 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $50 | — | $50 | 0.17% |
| KC BENEFITS LLC3 | 2376 DUNWOODY CROSSING ATLANTA, GA 30338 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $49 | — | $49 | 0.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 3625 CUMBERLAND BLVD SE ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $39 | — | $39 | 0.13% |
| AYB BENEFITS INC3 | 2209 SCENIC DRIVE SNELLVILLE, GA 30078 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $26 | $3 | $29 | 0.10% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $15 | — | $15 | 0.05% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Claims processing; Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $463K |
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 | 730 | 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) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 829 | $6.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 607 | $280K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 533 | $69K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 730 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 730 | $48K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 730 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.