| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 0.19% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTD #100 MEMPHIS, TN 38112 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $18K | $18K | 0.90% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.42% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTD #100 MEMPHIS, TN 38112 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 0.91% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.39% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTD #100 MEMPHIS, TN 38112 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.89% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.48% |
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 | 5,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,448 | $6.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,448 | $6.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,448 | $6.8M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,196 | $2.0M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,853 | $860K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 877 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,448 | $6.8M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,194 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,194 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.