| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE A.I. GROUP INC3 Filed as: A.I. GROUP | 1150 JULIAN DR. STE. 100 WATKINSVILLE, GA 30677 | METROPOLITAN LIFE INSURANCE COMPANY | $153K | — | $153K | 9.21% |
| AI GROUP3 Filed as: AI GROUP INC. | 1150 JULIAN DRIVE, STE. 100 WATKINSVILLE, GA 30677 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | — | $71K | 10.00% |
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 | 9,630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 49 | $710K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 49 | $710K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,698 | $1.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,698 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,698 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.