| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $174K | $202K | 5.11% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $0 | $34K | 15.00% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.02% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.28% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.28% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $781 | $0 | $781 | 1.28% |
| SWETT & CRAWFORD OF GEORGIA INC3 Filed as: SWETT AND CRAWFORD OF GEORGIA INC | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $397 | $0 | $397 | 0.65% |
| LORI A. VEILLETTE3 | 48 ACADEMY HILL ROAD EXTENSION DERBY, CT 06418 | TRANSAMERICA LIFE INSURANCE COMPANY | $310 | $0 | $310 | 0.51% |
| SELECT CHOICE BENEFITS3 Filed as: SELECT CHOICE BEN. AND OTHER AGENTS | 3855 SHALLOWFORD ROAD, SUITE 310 MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.09% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | LEGAL CLUB OF AMERICA | $395 | $0 | $395 | 29.39% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $4.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $4.0M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $286K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $225K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $225K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $4.0M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.