| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | PO BOX 1058 GAINESVILLE, GA 30503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $128K | $0 | $128K | 17.04% |
| TURNER WOOD & SMITH3 | PO BOX 1788 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $431 | $431 | 0.59% |
| TURNER WOOD & SMITH3 | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $346 | $346 | 0.57% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED FOR BREAKDOWN | — | AFLAC | $4K | $0 | $4K | 13.80% |
| TURNER WOOD & SMITH3 | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $137 | $137 | 0.58% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED BREAKDOWN | — | AFLAC | $2K | $0 | $2K | 10.15% |
| TURNER WOOD & SMITH3 | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $776 | $776 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $111K |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 237 | $750K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $24K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.