| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $4K | $68K | 13.25% |
| 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 | $12K | $0 | $12K | 2.29% |
| TURNER WOOD & SMITH3 | 1515 COMMUNITY WAY GAINESVILLE, GA 30503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $878 | $16K | 12.13% |
| 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 | $3K | $0 | $3K | 2.56% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 18.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 MEDICAL TPA | Claims processing Service code 12 | — | $462K |
| TURNER, WOOD & SMITH EIN 20-1489174 BROKER | Insurance agents and brokers Service code 22 | — | $198K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL/DENTAL FEES | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $74K |
| HEALTH PARTNERS NETWORK LLC EIN 58-2131807 N/A | Claims processing Service code 12 | — | $27K |
| CAREOPERATIVE LLC EIN 20-8981027 N/A | Claims processing Service code 12 | — | $22K |
| 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 | 1,150 | 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) | 1,150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,150 | $512K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,150 | $512K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 1,108 | $1.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,150 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,150 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.