| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 1150 JULIAN DR STE 100 WATKINSVILLE, GA 30677 | CIGNA HEALTH AND LIFE INSURANCE | $29K | — | $29K | 7.16% |
| DAVID O WOODRUFF3 Filed as: DAVID O. WOODRUFF | P.O. BOX 80568 ATHENS, GA 30608 | CIGNA HEALTH AND LIFE INSURANCE | $6K | — | $6K | 1.40% |
| THE A.I. GROUP INC3 Filed as: THE A.I. GROUP | P.O. BOX 80568 ATHENS, GA 30608 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.79% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $26 | $26 | 0.04% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE, STE 300 MEMPHIS, TN 38119 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 10.01% |
| REGIONS INSURANCE INC3 | 1150 JULIAN DR STE 100 WATKINSVILLE, GA 30677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 17.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE | $2K | — | $2K | 21.29% |
| DANIEL H. PATTERSON3 Filed as: DANIEL HAMMOND PATTERSON | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE | $139 | — | $139 | 1.29% |
| REGIONS INSURANCE INC3 | 6000 POPLAR STE 300 MEMPHIS, TN 38119 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $1K | — | $1K | 11.54% |
| THE A.I. GROUP INC3 | 12725 MORRIS RD, BLDG 100 STE 200 ALPHARETTA, GA 30004 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $100 | — | $100 | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 INSURANCE CARRIER | Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Float revenue; Participant communication; Claims processing; Named fiduciary Service code 12 | — | $27K |
| CIGNA HEALTH & LIFE INSURANCE CO. | Float revenue; Other services; Direct payment from the plan; Participant communication; Non-monetary compensation; Named fiduciary; Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 157 | $409K |
| Dental | UNION SECURITY INSURANCE COMPANY | 214 | $64K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 175 | $10K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $80K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $80K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $80K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.