| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 201503 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $111K | — | $111K | 4.42% |
| WELLS FARGO INSURANCE SERVICES3 | 4401 NORTHSIDE PARKWAY, SUITE 400 ATLANTA, GA 30327 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | 16.21% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.78% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 20.98% |
| CHARLIES V. CLARK3 | 844 DENTON ROAD DOUGLASVILLE, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 10.38% |
| RICK G CANTRELL3 Filed as: RICK G. CANTRELL | 1800 MCPHERSON CHURCH DALLAS, GA 30132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 8.74% |
| RICK L BUSH3 Filed as: RICK L. BUSH | 4727 OUTLOOK WAY MARIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 7.68% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 10749 NORTH 121ST PLACE SCOTTSDALE, AZ 85259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.53% |
| STEVEN VORDERLANDWEHR3 | 1242 HADAWAY TRAIL LAWRENCEVILLE, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201503 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 5.35% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | UNITED HEALTHCARE INSURANCE COMPANY | $792 | — | $792 | 9.95% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 770 | $2.5M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 819 | $2.5M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 484 | $148K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 232 | $129K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 484 | $148K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 770 | $2.5M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 770 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.