| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $55K | $67K | 6.15% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST 04202023TD COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 2.22% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $234 | $5K | 14.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.61% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $224 | $5K | 14.58% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.63% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $195 | $4K | 14.49% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.60% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $3K | $216 | $3K | 16.56% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $0 | $166 | $166 | 1.21% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $1.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $28K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.