| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERV.USA,INC. GA | P. O. BOX 201503 DALLAS, TX 753201503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $115K | — | $115K | 18.03% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 25 BULL STREET 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 15.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | P. O. BOX 201503 DALLAS, TX 30305 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $353 | — | $353 | 9.11% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | P. O. BOX 201503 DALLAS, TX 753201503 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $99 | — | $99 | 9.26% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | P. O. BOX 201503 DALLAS, TX 753201503 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $96 | — | $96 | 8.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV. | P. O. BOX 201503 DALLAS, TX 753201503 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $77 | — | $77 | 9.60% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | P. O. BOX 201503 DALLAS, TX 753201503 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $37 | — | $37 | 6.93% |
No Schedule C service providers reported on this filing.
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $637K |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $645K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $637K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 267 | $280K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 267 | $280K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 267 | $280K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $637K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $917K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.