| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVEN BENEFITS | 1000 PEACHTREE IND SUWANEE, GA 30024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $135K | $148K | 5.22% |
| HAVEN BENEFITS | 1000 PEACHTREE INDUSTRIAL BLVD SUWANEE, GA 30024 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 15.96% |
| HAVEN BENEFITS | 1000 PEACHTREE INDUSTRIAL BLVD SUWANEE, GA 30024 | VSP | $1K | — | $1K | 9.98% |
| HAVEN BENEFITS Filed as: HAVEN BENEFITS INC | 1000 PEACHTREE IND. BLVD SUWANEE, GA 30024 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $208 | — | $208 | 8.82% |
| HAVEN BENEFITS Filed as: HAVEN BENEFITS INC | 1000 PEACHTREE IND BLVD SUWANEE, GA 30024 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $182 | — | $182 | 9.15% |
| HAVEN BENEFITS Filed as: HAVEN BENEFITS INC | 1000 PEACHTREE IND BLVD SUWANEE, GA 30024 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $157 | — | $157 | 9.44% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $2.8M |
| Vision | VSP | 104 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 129 | $130K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $130K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 129 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.