| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $15K | $16K | 8.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $590 | $0 | $590 | 1.78% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 2121 NEWMARKET PARKWAY, SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 35.10% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 2470 WINDY HILL ROAD MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.97% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.69% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | TRANSAMERICA LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.38% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 5195 CANDUN CIRCLE SUGAR HILL, GA 30518 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.15% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R. SLADE SR & OTHER AGENTS | 1210 KINGS BROOK DRIVE SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.09% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 2121 NEWMARKET PARKWAY SE SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | $0 | $4 | 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 | 244 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 276 | $178K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 276 | $178K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 276 | $178K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $33K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 276 | $178K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.