| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR AVENUE 3RD FL MEMPHIS, TN 38119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $107K | $107K | 5.13% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | PO BOX 2153 BIRMINGHAM, AL 35287 | METROPOLITAN LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.28% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 1500 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 12725 MORRIS RD BLDG 100 SUITE 200 ALPHARETTA, GA 30004 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 12725 MORRIS RD BLDG 100 SUITE 200 ALPHARETTA, GA 30004 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | PO BOX 2153 BIRMINGHAM, AL 35287 | SAFEGUARD HEALTH PLANS INC | $3K | $0 | $3K | 10.62% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 1500 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | SAFEGUARD HEALTH PLANS INC | $0 | $833 | $833 | 2.84% |
| AI GROUP3 Filed as: AI GROUP INC | 12725 MORRIS ROAD BUILDING 100 STE 200 ALPHARETTA, GA 30004 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 12725 MORRIS RD ALPHARETTA, GA 30004 | EYEMED | $2K | $0 | $2K | 9.09% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | PO BOX 2153 BIRMINGHAM, AL 35287 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 32.56% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 1500 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $497 | $497 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $86K |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $2.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $89K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $76K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $96K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $34K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $25K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.