| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE MCGOWAN3 | 10283 BIG CANOE JASPER, GA 30148 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $5K | $7K | 2.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS NJ | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.12% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| BENEFITMALL3 | 2325 LAKEVIEW PKWY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| BENEFITMALL3 | 2325 LAKEVIEW PKWY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| JANICE MCGOWAN3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| BENEFITMALL3 | 2325 LAKEVIEW PKWY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.00% |
| JANICE MCGOWAN3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $387 | $0 | $387 | 14.99% |
| BENEFITMALL3 | 2325 LAKEVIEW PKWY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $129 | $129 | 5.00% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $264K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $264K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $264K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.