| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 21.30% |
| UNITED PRODUCERS GROUP LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 10.43% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FL BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $166 | $9K | 11.55% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $174 | $7K | 8.89% |
| JAMES SNOW3 | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.32% |
| SANTE CONCEPTS INC3 | 94 BARTLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $0 | $181 | 0.22% |
| B V STONE INC3 | 5470 TECHNOLOGY PKWY BRASELTON, GA 30517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.18% |
| CORDALA LARON MOORE3 | 4312 PINE HEIGHTS DR NE ATLANTA, GA 30324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.13% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.08% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| COLLEEN A VOGAN3 | 241 TWENG TRAIL LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD SUITE 106 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 14.03% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 777 DREWRY STREET NE ATLANTA, GA 30306 | TRUSTMARK INSURANCE COMPANY | $208 | $0 | $208 | 1.55% |
| RJK & ASSOCIATES INC3 Filed as: RJK AND ASSOCIATES INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $921 | $0 | $921 | 7.50% |
| RSC INSURANCE BROKERAGE INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $921 | $0 | $921 | 7.50% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 4 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $768 | $114 | $882 | 14.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMIN | Claims processing Service code 12 | — | $2K |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $246K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $246K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $246K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 140 | $20K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.