| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 ALPHARETTA, GA 30022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $111K | $127K | 5.83% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 ALPHARETTA, GA 30022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 20.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator Service code 12 | — | $121K |
| RELATION INSURANCE INC BROKER | Insurance services; Insurance agents and brokers Service code 22 | 5825 MEDLOCK BRIDGE ROAD SUITE 200 ALPHARETTA, GA 30022 | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 499 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 499 | $2.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $191K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $191K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $191K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $191K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.