| 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 | $59K | — | $59K | 14.67% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 17.33% |
| ASHFORD ADVISORS INC3 | 900 ASHWOOD PARKWAY SUITE 400 ATLANTA, GA 30338 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $30K |
| RELATION INSURANCE INC BROKER | Insurance services; Insurance agents and brokers Service code 22 | 5825 MEDLOCK BRIDGE PKWY SUITE 200 JOHNS CREEK, GA 30022 | $7K |
| CIGNA | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $707K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $283K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $283K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $283K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $283K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $283K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 57 | $302K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.