| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY CORPORATE SERVICES, INC.3 | 3301 WINDY RIDGE PARKWAY SE SUITE 250 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $189K | $222K | 4.82% |
| SYNERGY CORPORATE SERVICES, INC.3 | 3301 WINDY RIDGE PARKWAY SE SUITE 250 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $0 | $39K | 15.00% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.26% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEW MARKET PARKWAY SE SUITE 1100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.78% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $961 | $0 | $961 | 1.56% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $687 | $0 | $687 | 1.11% |
| SWETT & CRAWFORD OF GEORGIA INC3 Filed as: SWETT & CRAWFORD OF GEORGIA INC. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $310 | $0 | $310 | 0.50% |
| LORI A. VEILLETTE3 | 48 ACADEMY HILL ROAD EXTENSION DERBY, CT 06418 | TRANSAMERICA LIFE INSURANCE COMPANY | $98 | $0 | $98 | 0.16% |
| MJ INSURANCE3 Filed as: MICHAEL SLADE AND VARIOUS AGENTS | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.06% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 531 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 531 | $4.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 531 | $4.6M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $324K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $262K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $262K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 531 | $4.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.