| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES | 4401 NORTHSIDE PKWY, STE 800 ATLANTA, GA 30327 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $28K | $168K | $195K | 4.39% |
| IRONWOOD BENEFITS ADVISORY SERVICES | 4401 NORTHSIDE PKWY, STE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $22K | $3K | $25K | 22.42% |
| IRONWOOD BENEFITS ADVISORY SERVICES Filed as: IRONWOOD BENEFIT ADVISORY SERVICES | 4401 NORTHSIDE PKWY, STE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $16K | $2K | $18K | 22.81% |
| IRONWOOD BENEFITS ADVISORY SERVICES Filed as: IRONWOOD BENEFIT ADVISORY SERVICES | 4401 NORTHSIDE PKWY, STE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $12K | $2K | $14K | 23.68% |
| IRONWOOD BENEFITS ADVISORY SERVICES | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | VISION SERVICES PLAN (VSP) | $3K | — | $3K | 10.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES Filed as: IRONWOOD BENEFIT ADVISORY SERVICES | 4401 NORTHSIDE PKWY, STE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA - CIGNA | $3K | $327 | $3K | 22.60% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 270 | $4.5M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 270 | $4.5M |
| Vision | VISION SERVICES PLAN (VSP) | 240 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | 312 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | 312 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | 312 | $112K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA - CIGNA | 312 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
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.