| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDGE INSURANCE AGENCY LLC3 | P O BOX 1049 LAGRANGE, GA 30241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $18K | $78K | 14.87% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | P O BOX 1049 LAGRANGE, GA 30241 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. (G0386) | $7K | — | $7K | 10.57% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | P O BOX 1049 LAGRANGE, GA 30241 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.11% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | P O BOX 1049 LAGRANGE, GA 30241 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM | Claims processing; Non-monetary compensation; Float revenue; Participant communication; Named fiduciary; Direct payment from the plan; Contract Administrator; Other services Service code 12 | — | $0 |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $524K |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. (G0386) | 103 | $69K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. (G0386) | 82 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $54K |
| Long-term disability | STANDARD INSURANCE COMPANY | 118 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.