| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC Filed as: PARTNERS BENEFIT GROUP, LLC | PO BOX 7770 TIFTON, GA 31793 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| PARTNERS BENEFIT GROUP LLC | PO BOX 770 TIFTON, GA 31793 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| PARTNERS BENEFIT GROUP LLC Filed as: PARTNERS BENEFIT GROUP, LLC | PO BOX 7770 TIFTON, GA 31793 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PARAGON BENEFITS EIN 58-1741732 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | $4.3M |
| CIGNA EIN 59-1031071 PPO NETWORK ACCESS | Other services Service code 49 | PO BOX 188061 CHATTANOOGA, TN 37422 | $28K |
| DOCTORS DIRECT EIN 26-0248032 WELLNESS VENDOR | Other services Service code 49 | 3037-D BOONE TRAIL CIRCLE FAYETTEVILLE, NC 31909 | $14K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $194K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $194K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $83K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $194K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.