| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE CO | — | $572 | $572 | 0.22% |
| RONALD D TROUTMAN3 | 849 ELLENBURG ROAD QUITMAN, GA 31643 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| RONALD D TROUTMAN3 | 849 ELLENBURG ROAD QUITMAN, GA 31643 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | P O BOX 11407 BIRMINGHAM, AL 35246 | GREATER GEORGIA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.41% |
| MCGRIFF INSURANCE SERVICES INC3 | 541 NORTH MAIN STREET SUITE 100 MOUNT AIRY, NC 27030 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $303 | $303 | 1.00% |
| RONALD D TROUTMAN3 | 849 ELLENBURG ROAD QUITMAN, GA 31643 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Other services; Direct payment from the plan; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Contract Administrator; Float revenue Service code 12 | — | $173K |
| MCGRIFF SEIBELS AND WILLIAMS BROKER | Insurance agents and brokers; Insurance services Service code 22 | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | $90K |
| CIGNA | Other services; Named fiduciary; Direct payment from the plan; Participant communication; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $0 |
| THE MELTZER GROUP INC EIN 22-3811325 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 466 | $265K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 466 | $334K |
| Short-term disability | AETNA LIFE INSURANCE CO | 466 | $265K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 466 | $284K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 380 | $491K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 466 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.