| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE SUWANEE, GA 30024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $63K | $63K | 3.99% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | UNKNOWN PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $25K | $25K | 1.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $12K | $12K | 0.78% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 7.57% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 4.32% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $931 | $3K | 2.03% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.68% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.98% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $518 | $3K | 1.92% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 16.92% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $5 | $1 | $6 | 0.03% |
No Schedule C service providers reported on this filing.
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 176 | $142K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 176 | $142K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $167K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $167K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $167K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.