| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLENNIUM BENEFITS CONSULTING3 Filed as: MILLENNIUM BENEFITS CONSULTING INC | 990 HAMMOND DRIVE SUITE 600 SANDY SPRINGS, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $264K | — | $264K | 12.21% |
| SCOTT SAMUELS3 | 2878 JOHNSON FERRY RD NE SUITE 150 MARIETTA, GA 30062 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $147 | — | $147 | 0.01% |
| MILLENNIUM BENEFITS CONSULTING3 Filed as: MILLENNIUM BENEFITS CONSULTING INC | ONE LAKESIDE COMMONS 990 HAMMOND DR STE 600 ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $252K | — | $252K | 15.43% |
| MILLENNIUM BENEFITS CONSULTING3 | ONE LAKESIDE COMMONS 990 HAMMOND DR STE 600 ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $95 | — | $95 | 15.03% |
| MILLENNIUM BENEFITS CONSULTING3 Filed as: MILLENNIUM BENEFITS CONSULTING INC | ONE LAKESIDE COMMONS 990 HAMMOND DRIVE SUITE 600 ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $78 | — | $78 | 14.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATOR | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $1.1M |
| MILLENNIUM BENEFITS CONSULTING CONSULTANT | Consulting (general) Service code 16 | 990 HAMMOND DRIVE SUITE 600 SAND SPRINGS, GA 30328 | $89K |
| CIGNA | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Other commissions; Contract Administrator; Direct payment from the plan; Non-monetary compensation 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 | 2,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,321 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,262 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,321 | $2.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,548 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,884 | $48K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 3,548 | $1.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,321 | $2.2M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,030 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,321 | — |
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.