| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $154K | $178K | 5.36% |
| ROGERS BENEFIT GROUP INC3 | 4720 PEACHTREE INDUSTRIAL BLVD BLDG 500 SUITE 5201 NORCROSS, GA 30071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 1.85% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 0.62% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.01% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GIS BENEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $367 | $3K | 6.30% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA, INC. | $8K | — | $8K | 20.00% |
| BURNETT INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $293 | $2K | 6.53% |
| STEPHAN SCEROLER3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $206 | $5K | 20.93% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | MET LIFE LEGAL PLANS | $735 | — | $735 | 10.22% |
| BURNETT INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | METROPOLITAN GENERAL INSURANCE COMPANY | $536 | — | $536 | 11.41% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $479 | — | $479 | 14.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $192 | — | $192 | 6.01% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 233 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 233 | $3.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 233 | $3.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $42K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA, INC. | 294 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.