| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PIEDMONT AGENCY3 | 901 N. BROAD ST. SUITE 420 ROME, GA 30161 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $61K | $67K | 5.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $20K | $22K | 1.65% |
| THE PIEDMONT AGENCY3 | 901 N. BROAD ST SUITE 420 ROME, GA 30161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.04% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.22% |
| THE PIEDMONT AGENCY3 | 901 N BROAD ST SUITE 420 ROME, GA 30161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $959 | — | $959 | 4.24% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $710 | $710 | 3.14% |
| THE PIEDMONT AGENCY3 | 901 N BROAD ST SUITE 420 ROME, GA 30161 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 45.24% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$526 | $928 | $402 | 15.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | — | $110 | 4.12% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $47K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.