| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCART GROUP INC3 Filed as: MCCART GROUP INC. | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $82K | $0 | $82K | 5.00% |
| THE MCCART GROUP INC3 Filed as: MCCART GROUP INC. | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $0 | $15K | 0.91% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HA&W RISK MGMT LLC | 5 CONCOURSE PKWY # 600 ATLANTA, GA 30328 | THE STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | THE STANDARD INSURANCE COMPANY | $356 | — | $356 | 0.32% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HA&W RISK MANAGEMENT | 5 CONCOURSE PKWY SUITE 1000 ATLANTA, GA 30328 | COMPBENEFITS INSURANCE COMPANY | $5K | $0 | $5K | 8.44% |
| HAW RISK MGMT LLC3 | FIVE CONCOURSE PARKWAY SUITE 1000 ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 135 MAIN ST 21ST FLR SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $707 | $0 | $707 | 1.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | THE STANDARD INSURANCE COMPANY | $6K | — | $6K | 21.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | EYEMED VISION CARE | $677 | $0 | $677 | 7.60% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $166 | $4K | — |
| STACEY LYN CASTELLANETA3 Filed as: STACEY D QUANCE | 5682 RIVER OAKS PL ATLANTA, GA 30327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $0 | $338 | — |
| ROTH & ASSOC3 | 990 HAMMOND DRIVE SUITE 830 ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $0 | $246 | — |
| CRAIG ALEXANDER MILLER3 | 2037 POWERS FERRY RD SE MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $100 | $155 | — |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $96 | $151 | — |
| THE HORTON GROUP3 Filed as: ANITA HORTON | 2808 ANDOVER WAY WOODSTOCK, GA 30189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | — |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES, INCORPORATED | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | — |
| NINA LEGATE3 | 430 WATERLOO WAY MARY ESTHER, FL 32569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | — |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | — |
| VINSON K ELLENBERG3 Filed as: VINSON ELLENBERG | 905 ADAIR AVE NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN SERVICE AGREEMENT | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $10K |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 478 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 478 | $1.6M |
| Vision | EYEMED VISION CARE | 413 | $9K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 325 | $58K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 301 | $28K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 325 | $112K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 478 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.