| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 8.39% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $2K | $9K | 3.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.41% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.01% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 9.65% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $244 | $244 | 0.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.40% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $583 | $484 | $1K | 6.59% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $151 | $151 | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.10% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $462 | $688 | $1K | 9.70% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $115 | $115 | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | VISION SERVICE PLAN | $440 | $0 | $440 | 5.87% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | VISION SERVICE PLAN | $179 | $0 | $179 | 2.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $537 | $0 | $537 | 11.37% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $171 | $260 | $431 | 9.13% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Participant communication; Named fiduciary; Non-monetary compensation; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $16K |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $257K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $52K |
| Vision | VISION SERVICE PLAN | 61 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $5K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $12K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
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.