| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $3K | $54K | 13.36% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $309 | $0 | $309 | 0.08% |
| TURNER WOOD & SMITH3 | 1515 COMMUNITY WAY GAINESVILLE, GA 30503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $937 | $707 | $2K | 1.74% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67 | $0 | $67 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 MEDICAL TPA | Claims processing Service code 12 | — | $360K |
| TURNER, WOOD & SMITH EIN 20-1489174 BROKER | Insurance agents and brokers Service code 22 | — | $164K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 INSURANCE CARRIER | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $98K |
| HEALTH PARTNERS NETWORK, LLC EIN 58-2131807 NETWORK PROVIDER | Claims processing Service code 12 | — | $22K |
| HEALTHGRAM- TELEDOC INC EIN 47-4591265 TELEMEDICINE | Claims processing Service code 12 | — | $19K |
| CAREOPERATIVE, LLC EIN 20-8981027 N/A | Claims processing Service code 12 | — | $18K |
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 | 1,082 | 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) | 1,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,082 | $405K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,082 | $405K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO | 0 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,082 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,082 | — |
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.