| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $90K | $104K | 4.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $9K | $10K | 0.48% |
| RELATION INSURANCE INC3 | 703 EAST NORTH STREET, SUITE A GREENVILLE, SC 29601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 12.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 4.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | $0 | $484 | 20.47% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | $0 | $364 | 15.40% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 3.21% |
| AUSTIN J RICE3 Filed as: AUSTIN JAMES RICE | 2202 TAYSIDE XING NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 1.61% |
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 | 175 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $158K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $158K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.2M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.