| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICKY STEPP3 Filed as: RICKY W. STEPP | 111 MAYBELLE ST. CARTERSVILLE, GA 30120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 23.69% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 4720 PEACHTREE INDUSTRIAL BLVD. STE 5201 BERKELEY, GA 30071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $29K | $29K | 10.24% |
| RICKY STEPP3 | 111 MAYBELLE STREET CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 31.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N. 40TH STREET PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.61% |
| RICKY STEPP3 | 111 MAYBELLE STREET CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 30.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N. 40TH ST. PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.60% |
| RICKY STEPP3 | 111 MAYBELLE STREET CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 31.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N. 4TH ST. STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.60% |
| RICKY STEPP3 | 111 MAYBELLE STREET CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 31.68% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N. 40TH STREET PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $311 | $311 | 4.61% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $282K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $282K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $282K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $56K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $37K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.