| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHSON AND BRYAN, INC.3 | 1575 NORTHSIDE DRIVE, SUITE 100 ATLANTA, GA 30318 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $1K | $15K | 6.06% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE BUILDING 100, SUITE 100 ATLANTA, GA 30318 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.02% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE ATLANTA, GA 30318 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 5.71% |
| JOHNSON AND BRYAN INC3 Filed as: JOHNSON AND BRYAN, INC. | PO BOX 20138 ATLANTA, GA 30325 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 4.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $322 | $0 | $322 | 5.77% |
| JOHNSON AND BRYAN INC3 Filed as: JOHNSON AND BRYAN, INC. | 1575 NORTHSIDE DRIVE, SUITE 100 ATLANTA, GA 30318 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $139 | $0 | $139 | 2.49% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $42 | $0 | $42 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP. OF GA | PHILLIPS TOWER, SUITE 1100 ATLANTA, GA 30326 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $37 | $0 | $37 | 0.66% |
| KENNETH B TORBETT3 Filed as: KENNETH B. TORBETT AND OTHER AGENTS | 453 BRUSHSTROKE COURT MARIETTA, GA 30067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $115 | $444 | 9.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY BROWN-OVERDYKE | 1226 DUNWOODY LANE NORTHEAST BROOKHAVEN, GA 30319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $106 | $161 | 3.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 20138 ATLANTA, GA 30325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $13 | $146 | 3.21% |
| NORTHWESTERN BEN CORP OF GA3 | 3438 PEACHTREE ROAD NORTHEAST ATLANTA, GA 30326 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $0 | $132 | 2.90% |
| KID INSURANCE BENEFITS INC3 Filed as: KID INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 1.78% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS, INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $16 | $48 | 1.06% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.01% |
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 | 132 | 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) | 132 | 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 | 132 | $245K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 72 | $37K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 100 | $6K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 132 | $0 |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 132 | $0 |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 132 | $0 |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $245K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.