| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 9.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARINGTON HEIGHTS, PA 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$98 | — | -$98 | -0.02% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE STE 3773 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.84% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS INC. | 3340 PEACHTREE RD. NE STE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $182 | $3K | 4.92% |
| CARYN EDELMAN COOK3 Filed as: CARYN COOK | 3820 REDSTONE CT SE SMYRNA, GA 30080 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75 | $75 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MATSONFORD RD 4 RADNOR CORPORATE CENTER STE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $181 | $181 | 0.90% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $196 | $196 | 0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 SERVICE PROVIDER | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $514K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $60K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $60K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.