| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139K | $35K | $174K | 8.56% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 403 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 921018156 | VISION SERVICE PLAN | $12K | — | $12K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.7 Filed as: ALLIANT INSURANCE SERVICES | SAGEWELL PARTNERS 1501 REEDSDALE ST STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $8K | $30K | 8.86% |
| BENEFIT ADVISOR SERVICES7 | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.47% |
| ALLIANT INSURANCE SERVICES, INC.7 Filed as: ALLIANT INSURANCE SERVICE | SAGEWELL PARTNERS 1501 REEDSDALE ST STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $4K | $20K | 8.29% |
| BENEFIT ADVISORS SERVICES7 | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 31.07% |
| ALLIANT INSURANCE SERVICES, INC.7 Filed as: ALLIANT INSURANCE SERVICES | SAGEWELL PARTNERS 1501 REEDSDALE ST STE 403 PITTSBURGH, PA 15233 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $365 | $2K | 8.78% |
| BENEFIT ADVISORS SERVICES7 | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $199 | — | $199 | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $568 | — | $568 | 31.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS CAREMARK EIN 05-0340626 TPA | Claims processing Service code 12 | — | $11.3M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 TPA | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $2.2M |
| ADP BENEFIT SERVICES EIN 58-2018248 TPA | Claims processing Service code 12 | — | $384K |
| FEI BEHAVIORAL HEALTH EIN 39-1714534 TPA | Claims processing Service code 12 | — | $127K |
| WAGEWORKS EIN 94-3351864 TPA | Claims processing; Plan Administrator Service code 12 | — | $117K |
| LIFE INSURANCE COMPANY OF NORTH AME EIN 23-1503749 TPA | Claims processing; Plan Administrator Service code 12 | — | $65K |
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 | 6,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,234 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 277 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,200 | $4.7M |
| Vision | VISION SERVICE PLAN | 3,204 | $593K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,554 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,852 | $267K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,262 | $381K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 112 | $1.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,200 | $4.7M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,200 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,200 | — |
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.