| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $138K | $159K | 5.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $139 | $14K | 9.02% |
| VOUNTARY BENEFITSAT WORK3 | 2121 NEWMARKET PARKWAY, SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.01% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.06% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 2470 WINDY HILL ROAD, SUITE 244 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.60% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $821 | $0 | $821 | 1.34% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $297 | $0 | $297 | 0.48% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $241 | $0 | $241 | 0.39% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR AND OTHER AGENTS | 1210 KINGS BROOK DRIVE SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $130 | $0 | $130 | 0.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LEGAL CLUB OF AMERICA | $1K | $0 | $1K | 18.21% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $3.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $216K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $155K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $155K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $3.1M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.