| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICKY STEPP3 | 111 MAYBELLE ST STE 1400, 14TH FLOOR CARTERSVILLE, GA 30120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $84K | $97K | 5.71% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 2.21% |
| RICKY STEPP3 | 111 MAYBELLE ST CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 13.82% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $857 | $3K | $3K | 4.61% |
| RICKY STEPP3 | 111 MAYBELLE STREET CENTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.84% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH ST. STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $637 | $2K | $3K | 4.62% |
| RWS BENEFIT SERVICES, INC.3 | 111 MAYBELLE ST CARTERSVILLE, GA 30120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 14.58% |
| RICKY STEPP3 | 111 MAYBELLE ST CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.84% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET STE 234 PHOENIZ, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $289 | $886 | $1K | 4.62% |
| RICKY STEPP3 | 111 MAYBELLE ST CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $828 | — | $828 | 13.85% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST. STE 234 PHOENIZ, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66 | $210 | $276 | 4.62% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $75K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $25K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 294 | $42K |
| 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."
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.