| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | — | $49K | 4.30% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | GREATER GEORGIA LIFE | $61K | — | $61K | 15.39% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | HARTFORD LIFE AND ACCIDENT | $55K | — | $55K | 15.00% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.48% |
| ACRISURE LLC3 | DBA PEACHTREE BENEFIT GRUP 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 22.73% |
| ACRISURE LLC3 | DBA PEACHTREE BENEFIT GROUP 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 28.48% |
| ACRISURE LLC3 | DBA PEACHTREE BENEFIT GROUP 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 22.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Participant communication; Named fiduciary; Non-monetary compensation; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $398K |
| ACRISURE LLC BROKER | Insurance services; Insurance agents and brokers Service code 22 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | $157K |
| GREATER GEORGIA LIFE EIN 58-1473042 ADMIN SVCES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $12K |
| CIGNA | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication 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 | 699 | 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) | 699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 699 | $366K |
| Short-term disability | GREATER GEORGIA LIFE | 648 | $394K |
| Long-term disability | GREATER GEORGIA LIFE | 648 | $394K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 930 | $1.1M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 699 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.