| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 303273093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $139K | $139K | 3.54% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | PO BOX 745804 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $116K | $116K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 303273093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $17K | $50K | 1.28% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | PO BOX 745804 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 303273093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | — | $59K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 303273093 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 SUITE 800 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $390 | — | $390 | 23.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | GREATER GEORGIA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 10914.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Other services; Other fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Other commissions; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $155K |
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 | 541 | 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) | 541 | 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 | 879 | $4.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 879 | $3.9M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 879 | $3.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 610 | $394K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 610 | $394K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 610 | $394K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 610 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.