| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LANK GROUP INC3 Filed as: THE LANK GROUP, INC | 2400 HERODIAN WAY SE SUITE 220 SMYRNA, GA 30080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 4.60% |
| THE LANK GROUP INC3 | 1891 KIRKMONT DRIVE NW MARIETTA, GA 30064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| THE LANK GROUP INC3 | 1891 KIRKMONT DRIVE NW MARIETTA, GA 30064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| THE LANK GROUP INC3 | 1891 KIRKMONT DRIVE NW MARIETTA, GA 30064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BENESOURCE LLC3 | 112 SHAWWVILLE LANE PEACHTREE CITY, GA 30269 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 13.00% |
| ASHFORD ADVISORS INC3 | ONE RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $276K |
| THE LANK GROUP BROKER | Insurance services; Insurance agents and brokers Service code 22 | 2400 HERODIAN WAY SE SUITE 220 SMYRNA, GA 30080 | $77K |
| CIGNA | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication 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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $474K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $91K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1 | $100 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $53K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $474K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 342 | $474K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.