| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | $2K | $55K | 31.46% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE HUMAN CAPITAL MANAGEMENT | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$17K | $0 | -$17K | -9.44% |
| WESLEY STEVEN SPIRO3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE RD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $520 | $3K | 9.02% |
| GOODWIN WRIGHT INC3 Filed as: GOODWIN WRIGHT | PHIPPS TOWER SUITE 1200 3438 PEACHTREE RD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $408 | $49 | $457 | 1.61% |
| WESLEY STEVEN SPIRO3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE RD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $598 | $2K | 11.43% |
| GOODWIN WRIGHT INC3 Filed as: GOODWIN WRIGHT | PHIPPS TOWER SUITE 1200 3438 PEACHTREE RD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $304 | $36 | $340 | 1.83% |
| WESLEY STEVEN SPIRO3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE RD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $500 | $2K | 17.26% |
| GOODWIN WRIGHT INC3 Filed as: GOODWIN WRIGHT | PHIPPS TOWER SUITE 1200 3438 PEACHTREE RD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $397 | $48 | $445 | 3.09% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $176K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $176K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $176K |
| Life insurance | NORTHWESTERN MUTUAL | 140 | $19K |
| Short-term disability | NORTHWESTERN MUTUAL | 140 | $28K |
| Long-term disability | NORTHWESTERN MUTUAL | 140 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.