| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | 100 BRENAU AVENUE GAINESVILLE, GA 30503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 9.05% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | 100 BRENAU AVENUE GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $898 | $5K | 8.60% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | 100 BRENAU AVENUE GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $626 | $3K | 8.60% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | 100 BRENAU AVE GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $376 | $2K | 8.39% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $170K |
| TURNER WOOD AND SMITH AGENCY INC BROKER | Insurance agents and brokers; Insurance services Service code 22 | 100 BRENAU AVENUE GAINESVILLE, GA 30503 | $90K |
| CIGNA | Other services; Shareholder servicing fees; Named fiduciary; Float revenue; Claims processing; Participant communication; 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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 366 | $635K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 366 | $635K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $56K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $39K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 366 | $635K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.