| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | 100 BRENAU AVENUE GAINESVILLE, GA 30501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | $0 | $89K | 18.11% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 3.50% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $324 | $324 | 0.25% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $440 | $10K | 15.66% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $167 | $167 | 0.25% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $456 | $8K | 15.89% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $128 | $128 | 0.25% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $109 | $2K | 15.94% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CARRIER | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $33K |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $494K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $129K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $494K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $12K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $118K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.