| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $120K | $2K | $122K | 12.76% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 5400 LAUREL SPRINGS PARKWAY SUITE 1 SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 10.96% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.69% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 5400 LAUREL SPRINGS PARKWAY SUITE 1 SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.84% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $690 | $690 | 0.69% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 5400 LAUREL SPRINGS PARKWAY SUITE 1 SUWANEE, GA 30024 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 9.24% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | STARMOUNT LIFE INSURANCE COMPANY | — | $252 | $252 | 0.69% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $960K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 252 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $446K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $346K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $346K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.