| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET SUITE 600 SAN DIEGO, CA 921018156 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $82K | $82K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 1.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 222 BLOOMINGDALE ROAD SUITE 402 WHITE PLAINS, NY 10605 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 10.25% |
| DIGITAL INSURANCE LLC3 | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 4.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.88% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS. INC | ONE RAVINIA DR # 1750 ATLANTA, GA 30346 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $789 | — | $789 | 0.19% |
| ELIZABETH H FINCHER4 | P.O BOX 1382 ROSWELL, GA 30077 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $614 | — | $614 | 30.20% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $188 | — | $188 | 9.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 122888 | Claims processing 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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $413K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $413K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $413K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $413K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.