| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER | 300 W 10TH STREET WEST POINT, GA 31833 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 200 BROOK STONE CENTRE PKWY 118 COLUMBUS, GA 31904 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA LIFE INSURANCE COMPANY EIN 59-1031071 CLAIM ADMINISTRATION | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | 900 COTTAGE RD HARTFORD, CT 06152 | $16K |
| CIGNA LIFE INSURANCE COMPANY 59-103 | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $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 | 435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,011 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,011 | $1.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 803 | $51K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,011 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.