| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $186K | — | $186K | 18.00% |
| ACRISURE LLC3 | 4270 E AMITY AVE NAMPA, ID 83687 | STANDARD INSURANCE COMPANY | $11K | $1K | $12K | 10.08% |
| ACRISURE LLC3 | 4270 E AMITY AVE NAMPA, ID 83687 | STANDARD INSURANCE COMPANY | $7K | $868 | $8K | 6.27% |
| ACRISURE LLC3 | 4270 E AMITY AVE NAMPA, ID 83687 | STANDARD INSURANCE COMPANY | $7K | $565 | $8K | 9.97% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $967 | $5K | 24.62% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $843 | $5K | 24.59% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $706 | $4K | 24.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $364K |
| CIGNA | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 583 | 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) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 339 | $123K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 339 | $142K |
| Long-term disability | STANDARD INSURANCE COMPANY | 339 | $79K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 583 | $1.0M |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 339 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.