| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $721K | $0 | $721K | 9.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | GRANULAR INSURANCE COMPANY | $176K | $0 | $176K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN, INC. | $69K | $0 | $69K | 3.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | EYEMED | $87K | $0 | $87K | 10.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN, INC | $27K | $0 | $27K | 3.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | $0 | $0 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | RELIASTAR LIFE INSURANCE COMPANY | $39K | $0 | $39K | 95.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $6.1M |
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 | 13,668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 11,731 | $812K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 14,886 | $7.5M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 14,886 | $7.5M |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 11,098 | $3.5M |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 14,886 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,886 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.