| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $171K | $7K | $177K | 16.18% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 2675 MALL OF GEORGIA BOULEVARD SUITE BUFORD, GA 30519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 11.81% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.74% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 2675 MALL OF GEORGIA BOULEVARD SUITE BUFORD, GA 30519 | STARMOUNT LIFE INSURANCE COMPANY | $30K | — | $30K | 10.10% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 1.86% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 2675 MALL OF GEORGIA BOULEVARD SUITE BUFORD, GA 30519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 14.89% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $881 | $881 | 0.74% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 266 | $293K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 266 | $293K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $506K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $388K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $388K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.