| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | P.O. BOX 1058 GAINESVILLE, GA 30503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $25K | $29K | 2.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 70009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $23K | $28K | 2.40% |
| TURNER WOOD & SMITH3 | PO BOX 1058 GAINESVILLE, GA 30503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.77% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $314 | $314 | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.55% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | PO BOX 1058 GAINESVILLE, GA 30503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.45% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $252 | $252 | 1.00% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | PO BOX 1058 GAINESVILLE, GA 30503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.67% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $223 | $223 | 1.24% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | PO BOX 1058 GAINESVILLE, GA 30503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $102 | $0 | $102 | 8.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70 | $0 | $70 | 6.10% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $14 | $14 | 1.22% |
No Schedule C service providers reported on this filing.
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $18K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.