| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $130K | $149K | 5.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 7.82% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC. | 3301 WINDY RIDGE PARKWAY SE SUITE 250 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $60 | $60 | 0.06% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC. | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 19.29% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEW MARKET PARKWAY SE SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.65% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 2470 WINDY HILL ROAD, SUITE 244 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $739 | $0 | $739 | 1.06% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $546 | $0 | $546 | 0.78% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 540 BIRNAWOOD DRIVE SUNWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $511 | $0 | $511 | 0.73% |
| SWETT & CRAWFORD OF GEORGIA INC3 Filed as: SWETT & CRAWFORD GA & OTHER AGENTS | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $218 | $0 | $218 | 0.31% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R. SLADE SR. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 6.79% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LEGAL CLUB OF AMERICA | $2K | $0 | $2K | 27.43% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC. | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | LEGAL CLUB OF AMERICA | $447 | $0 | $447 | 7.19% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $169K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $99K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $2.5M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.