| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $382K | — | $382K | 13.67% |
| WAYNE MONROE DRYE3 | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30328 | KAISER FOUNDATION HEALTH PLAN INC | $82K | — | $82K | 4.44% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $6K | $10K | 3.70% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $4K | $10K | 4.91% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30328 | LIFE INSURNCE COMPANY OF NORTH AMERICA | $12K | $3K | $15K | 12.39% |
| WAYNE MONROE DRYE3 Filed as: WAYNE M DRYE | 6 CONCOURSE PARKWAY SUITE 700 ATLANTA, GA 30328 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 9.70% |
| WORKD INSURANCE ASSOCIATION3 | 6 CONCOURSE PARKWAY SUITE 3100 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $664 | $149 | $813 | 12.23% |
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 | 3,459 | 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) | 3,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,594 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,594 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,594 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURNCE COMPANY OF NORTH AMERICA | 895 | $182K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 639 | $280K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 574 | $200K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,594 | $2.8M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,594 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,594 | — |
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.