| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $4K | $59K | 10.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 2.75% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 1515 COMMUNITY WAY GAINESVILLE, GA 30503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $1K | $20K | 11.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 3.00% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 21.57% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 MEDICAL TPA | Claims processing Service code 12 | — | $442K |
| TURNER, WOOD & SMITH EIN 20-1489174 BROKER | Insurance agents and brokers Service code 22 | — | $191K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 MEDICAL/DENTAL ADMIN | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $79K |
| HEALTH PARTNERS NETWORK LLC EIN 58-2131807 N/A | Claims processing Service code 12 | — | $26K |
| CAREOPERATIVE RECEIVABLES- HC EIN 20-8981027 N/A | Claims processing Service code 12 | — | $21K |
| HEALTHGRAM- TELADOCINC EIN 47-4591265 TELEMEDICINE | Claims processing Service code 12 | — | $11K |
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 | 946 | 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) | 946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $534K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $534K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 887 | $733K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.