| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAYNE MONROE DRYE3 | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30328 | KAISER FOUNDATION HEALTH PLAN INC | $64K | — | $64K | 3.52% |
| WAYNE MONROE DRYE3 | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30328 | KAISER FOUNDATION HEALTH PLAN INC | $710K | — | $710K | 47.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR FLOOR 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.31% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 5.78% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 6.13% |
| WAYNE MONROE DRYE3 Filed as: WAYNE DRYE | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30326 | PRUDENTIAL | $8K | — | $8K | 5.53% |
| WAYNE MONROE DRYE3 Filed as: WAYNE M DRYE | 6 CONCOURSE PARKWAY SUITE 700 ATLANTA, GA 30328 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 8.78% |
| WAYNE MONROE DRYE3 Filed as: WAYNE M DRYE | 7000 CENTRAL PARKWAY SUITE 700 ATLANTA, GA 30328 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 1.72% |
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 | 911 | 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) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,339 | $4.8M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,339 | $1.5M |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,339 | $1.5M |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 854 | $82K |
| Short-term disability | PRUDENTIAL | 264 | $146K |
| Long-term disability | PRUDENTIAL | 264 | $146K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,339 | $1.5M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,339 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,339 | — |
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."
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.