| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $100K | $0 | $100K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $45K | $0 | $45K | 2.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD - MCCART | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | THE STANDARD INSURANCE COMPANY | $33K | $0 | $33K | 26.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | THE STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | THE STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 14.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | THE STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 135 MAIN ST 21ST FLR SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 26.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | EYEMED VISION CARE | $916 | $0 | $916 | 2.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | EYEMED VISION CARE | $109 | $0 | $109 | 0.35% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $308 | $3K | 14.61% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $112 | $225 | 1.18% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $29 | $111 | 0.58% |
| ROTH & ASSOC3 | 990 HAMMOND DRIVE SUITE 830 ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.56% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY D QUANCE | 5682 RIVER OAKS PL ATLANTA, GA 30327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.25% |
| CRAIG ALEXANDER MILLER3 | 2037 POWERS FERRY RD SE MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.06% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES, INCORPORATED | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| NINA LEGATE3 | 430 WATERLOO WAY MARY ESTHER, FL 32569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| 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 | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $14K |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $2.0M |
| Vision | EYEMED VISION CARE | 477 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 370 | $78K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 346 | $105K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 371 | $125K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $2.0M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.