| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INOVA LLC3 Filed as: INOVA BENEFITS LLC | 1314 ELLSWORTH INDUSTRIAL BLVD ATLANTA, GA 30318 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 12.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 4720 PEACHTREE INDUSTRIAL BLVD BERKELEY LAKE, GA 30071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 4.86% |
| INOVA LLC3 Filed as: INOVA BENEFITS LLC | 1314 ELLSWORTH INDUSTRIAL BLVD ATLANTA, GA 30318 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 12.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 4720 PEACHTREE INDUSTRIAL BLVD BERKELEY LAKE, GA 30071 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Participant communication; Float revenue; Named fiduciary; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $52K |
| CIGNA | Participant communication; Float revenue; Other services; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary Service code 12 | — | $0 |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 556 | $193K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 556 | $193K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 556 | $193K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 556 | $193K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 556 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.