| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $94K | $94K | 6.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNITED CONCORDIA INSURANCE COMPANY | $5K | -$17 | $5K | 6.98% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 1.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLTE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.30% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $685 | $34 | $719 | 3.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $280 | $280 | 1.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.64% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $746 | $37 | $783 | 3.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $208 | $208 | 1.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | EYEMED VISION CARE | $2K | — | $2K | 11.78% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | EYEMED VISION CARE | $377 | — | $377 | 2.04% |
| 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 | — | $94K |
| EDGEWOOD PARTNERS INSURANCE CENTER BROKER | Insurance agents and brokers; Insurance services Service code 22 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $2K |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 48 | $77K |
| Vision(2 contracts) | EYEMED VISION CARE | 214 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $20K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $43K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.