| 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 | $81K | $5K | $86K | 19.34% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.85% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE, INC | 5825 MEDLOCK BRIDGE PKWY SUITE 200 JOHNS CREEK, GA 30022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| ASHFORD ADVISORS INC3 | 900 ASHWOOD PKWY SUITE 400 ATLANTA, GA 30338 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.01% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 5825 MEDLOCK BRIDGE PKWY SUITE 200 ALPHARETTA, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.43% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 5825 MEDLOCK BRIDGE PKWY SUITE 200 ALPHARETTA, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.79% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 5825 MEDLOCK BRIDGE PKWY SUITE 200 ALPHARETTA, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.64% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 5825 MEDLOCK BRIDGE PKWY SUITE 200 ALPHARETTA, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $181 | $181 | 4.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Contract Administrator; Claims processing Service code 12 | — | $98K |
| RELATION INSURANCE INC BROKER | Insurance agents and brokers; Insurance services Service code 22 | 5825 MEDLOCK BRIDGE PKWY SUITE 200 JOHNS CREEK, GA 30022 | $5K |
| CIGNA | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue 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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $445K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $55K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $55K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $96K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $87K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $99K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.