| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE A.I. GROUP INC3 | 12725 MORRIS ROAD BUILDING 100 SUITE 200 ALPHARETTA, GA 30004 | CIGNA HEALTH AND LIFE INSURANCE CO. | $0 | $55K | $55K | 5.00% |
| THE A.I. GROUP INC3 | 12725 MORRIS ROAD BUILDING 100 SUITE 200 ALPHARETTA, GA 30004 | CIGNA HEALTH AND LIFE INSURANCE CO. | $0 | $6K | $6K | 0.56% |
| THE A.I. GROUP INC3 | 12725 MORRIS ROAD BUILDING 100 SUITE 200 ALPHARETTA, GA 30004 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $5K | $16K | 20.83% |
| THE A.I. GROUP INC3 | 1150 JULIAN DR STE 100 WATKINSVILLE, GA 30677 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 5.85% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1150 JULIAN DR STE 100 WATKINSVILLE, GA 30677 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 4.15% |
| THE A.I. GROUP INC3 Filed as: THE A.I. GROUP | 12725 MORRIS ROAD BUILDING 100 SUITE 200 ALPHARETTA, GA 30004 | ADVANTICA REINSURANCE COMPANY | $939 | — | $939 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Named fiduciary; Direct payment from the plan; Other services; Non-monetary compensation; Float revenue; Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 105 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 108 | $60K |
| Vision | ADVANTICA REINSURANCE COMPANY | 131 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 112 | $75K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 112 | $75K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 112 | $75K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 112 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.