| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | P.O. BOX 1058 GAINESVILLE, GA 30503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $166K | — | $166K | 9.87% |
| TUNER WOOD & SMITH AGENCY INC3 | PO BOX 1058 GAINESVILLE, GA 30503 | HARTFORD LIFE AND ACCIDENT | $135K | — | $135K | 12.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $54K | $54K | 5.00% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC | 1515 COMMUNITY WAY GAINESVILLE, GA 305012581 | PRINCIPAL LIFE INSURANCE COMPANY | $36K | — | $36K | 9.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R,NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE NJ WALL TOWNSHIP, NJ 077193502 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 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 | 692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 802 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 827 | $360K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 827 | $2.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 687 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 687 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 687 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 802 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 687 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.