| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | P.O. BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $72K | $72K | 2.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300090000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 0.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78K | — | $78K | 16.63% |
| 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 | -$5K | — | -$5K | -1.09% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4 ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $550 | — | $550 | 51.74% |
| ELIZABETH H FINCHER4 | PO BOX 1382 ROSWELL, GA 30077 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $513 | — | $513 | 48.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Claims processing Service code 12 | — | $139K |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $2.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $468K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $468K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $468K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $468K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $468K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.