| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | $88K | $160K | 41.47% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE. STE. 300 MEMPHIS, TN 38119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $5K | $22K | 21.33% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR STE 300 MEMPHIS, TN 38119 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $30K | — | $30K | 31.61% |
| AI GROUP3 Filed as: THE AI GROUP, INC. | 12725 MORRIS RD, BLDG 100 STE 200 ALPHARETTA, GA 30004 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | -$25K | — | -$25K | -26.13% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | P.O. BOX 2153 BIRMINGHAM, AL 352870002 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.97% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.21% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS. INC. | 1500 RIVERFRONT DR., STE. 200 LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.25% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $480K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $89K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 247 | $95K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $104K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $104K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.