| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29982 NETWORK PL CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $99K | — | $99K | 3.03% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA, GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $98K | — | $98K | 15.03% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA, GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | $1K | — | $1K | 46.11% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA, GA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE | -$4K | — | -$4K | -682.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 ASO | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | — | $2.6M |
| LIFEWORKS EIN 81-1114266 NONE | Claims processing Service code 12 | — | $213K |
| GRAND ROUNDS EIN 45-3580052 NONE | Claims processing Service code 12 | — | $198K |
| KILPATRICK STOCKTON EIN 58-0511774 NONE | Legal Service code 29 | — | $70K |
| FIDELITY HSA ADMIN EIN 31-1075381 NONE | Claims processing Service code 12 | — | $62K |
| DISCOVERY EIN 83-1398780 NONE | Claims processing Service code 12 | — | $33K |
| SMITH & HOWARD EIN 58-1250486 NONE | Claims processing Service code 12 | — | $30K |
| CIGNA | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing 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 | 5,706 | 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) | 5,706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,233 | $3.3M |
| Vision(3 contracts) | EYEMED VISION CARE | 10,595 | $653K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,233 | $3.3M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,233 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,233 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.