| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD STE 122 ACWORTH, GA 30101 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $132K | $0 | $132K | 5.33% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD STE 122 ACWORTH, GA 301012729 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.32% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEADERCREST ROAD STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $17K | 20.87% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CROUP | PO BOX 1568 WINDERMERE, FL 347866075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 10.00% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $818 | $818 | 0.98% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 21.06% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | PO BOX 1568 WINDERMERE, FL 347866075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 10.00% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GU NTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $573 | $573 | 1.01% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 21.07% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | PO BOX 1568 WINDERMERE, FL 347866075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 10.00% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $573 | $573 | 1.01% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.70% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $231 | $231 | 0.95% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.29% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $190 | $190 | 1.05% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $862 | $3K | 20.94% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | PO BOX 1568 WINDERMERE, FL 347866075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 10.00% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $144 | $144 | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTL MIDWEST LTD DBA HUB INTL | GULF SOUTH 2487 CEDARCREST RD SUITE 122 ACWORTH, GA 30101 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 27.43% |
| J KEEBS & ASSOCIATES4 | 1950 BUFORD DAM ROAD APT 406 CUMING, GA 30041 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 8.13% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 503 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $196K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $196K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 422 | $71K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $108K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $57K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 503 | $2.5M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 422 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.