| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCART GROUP INC3 Filed as: MCCART INSURANCE AND RISK MGMT | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $180K | $6K | $186K | 16.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 1.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURACE CENTER | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $940 | $12K | 16.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURACE CENTER | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $942 | $10K | 16.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $921 | $10K | 16.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD DULUTH, GA 30096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $720 | $69 | $789 | 7.99% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $191 | $554 | 5.61% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $229 | $33 | $262 | 2.65% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $47 | $214 | 2.17% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $33 | $167 | 1.69% |
| LAURIE J BURNS3 | 303 PYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $22 | $102 | 1.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $125 | $1K | 16.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 944 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 944 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 944 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 442 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 442 | $63K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 442 | $137K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 944 | $1.1M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 442 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.