| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | P O BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $47K | $53K | 1.68% |
| RELATION INSURANCE INC3 | 11215 N COMMUNITY HSE ROAD SUITE 100 CHARLOTTE, NC 28277 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $34K | $38K | 1.21% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 ALPHARETTA, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $581 | $15K | 14.65% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 ALPHARETTA, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $507 | $15K | 16.85% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 ALPHARETTA, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $459 | $16 | $475 | 16.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $9K |
| CIGNA | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue 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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $3.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $3.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 343 | $101K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 343 | $91K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 343 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.