| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $98K | $2K | $101K | 5.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $47K | $0 | $47K | 2.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | THE STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 4.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | THE STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 12.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 135 MAIN ST 21ST FLR SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | EYEMED VISION CARE | $2K | $0 | $2K | 5.77% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $442 | $4K | 16.83% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $121 | $256 | 1.15% |
| ROTH & ASSOC3 | 990 HAMMOND DRIVE SUITE 830 ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $0 | $178 | 0.80% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $40 | $132 | 0.59% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY D QUANCE | 5682 RIVER OAKS PL ATLANTA, GA 30327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.33% |
| CRAIG ALEXANDER MILLER3 | 2037 POWERS FERRY RD SE MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.19% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES, INCORPORATED | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| NINA LEGATE3 | 430 WATERLOO WAY MARY ESTHER, FL 32569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| THE HORTON GROUP3 Filed as: ANITA HORTON | 2808 ANDOVER WAY WOODSTOCK, GA 30189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN SERVICE AGREEMENT | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $13K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 524 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 524 | $2.0M |
| Vision | EYEMED VISION CARE | 462 | $27K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 349 | $98K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 325 | $95K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 349 | $116K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 524 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
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.