| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $41K | $0 | $41K | 4.63% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 9.22% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 13.65% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 9.17% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 12.03% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $132 | $0 | $132 | 9.01% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $162 | $0 | $162 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 FMLA ADMIN | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $513K |
| RESOURCE SEVEN BROKER | Insurance agents and brokers Service code 22 | 240 EAST LANIER AVE FAYETTEVILLE, GA 30215 | $130K |
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 | 883 | 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) | 883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 883 | $893K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 883 | $893K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 304 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $87K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 883 | $893K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 883 | $893K |
| Other(6 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 883 | $944K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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.