| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO., INC. | SUITE 120 3500 BLUE LAKE ROAD BIRMINGHAM, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 8.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $124 | $124 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | P.O. BOX 201503 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | $27K | $0 | $27K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC0 Filed as: NORTHWESTERN BENEFIT CORPORATION | 3438 PEACHTREE RD NE SUITE 1100, PHIPPS TOWER ATLANTA, GA 30326 | SUN LIFE ASSURANCE OF CANADA | $714 | $0 | $714 | 14.99% |
| YATES LLC3 Filed as: YATES INSURANCE AGENCY | 2800 CENTURY PKWY NE #300 ATLANTA, GA 30345 | FEDERAL INSURANCE COMPANY | $496 | $0 | $496 | 15.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY BENEFTIS | 990 HAMMOND DRIVE SUITE 600 SANDY SPRINGS, GA 30328 | AETNA INC. | $6K | $0 | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Participant communication; Named fiduciary; Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | — | $204K |
| MILLENIUM BENEFITS CONSULTING INC. EIN 58-2608046 BROKER | Insurance agents and brokers Service code 22 | — | $71K |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INC. | 0 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $281K |
| Vision | EYEMED | 415 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 347 | $494K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 321 | $296K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 350 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.