| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 4.98% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 4.05% |
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 2.58% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC | 1000 NORTHSIDE XING MACON, GA 31210 | PRINCIPAL LIFE INSURANCE COMPANY | $61K | $2K | $63K | 9.21% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $5K | $36K | 5.22% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 5980 ZEBULON ROAD MACON, GA 31210 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | — | $32K | 4.64% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC. | 1000 NORTHSIDE CROSSING MACON, GA 31210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | STARMOUNT LIFE INSURANCE COMPANY | $21K | — | $21K | 9.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $2K | $13K | 6.04% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.99% |
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 | 446 | 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) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $1.1M |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 789 | $1.1M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 789 | $681K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 789 | $681K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 789 | $681K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 789 | $681K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 789 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.