| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVEUNE SUITE 300 MEMPHIS, TN 38119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 5.72% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.22% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC. | 1115 US HWY 98 SOUTH SUITE 1000 LAKELAND, FL 33801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.43% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | DEPARTMENT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $673 | — | $673 | 1.57% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC. | 1115 US HWY 98 SOUTH SUITE 1000 LAKELAND, FL 33801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.36% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | DEPARTMENT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $687 | — | $687 | 1.64% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC. | 1115 US HWY 98 SOUTH SUITE 1000 LAKELAND, FL 33801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $948 | — | $948 | 8.42% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | DEPARTMENT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $178 | — | $178 | 1.58% |
| LANIER UPSHAW, INC.3 Filed as: LANIER UPSHAW INC. | 1115 US HWY 98 SOUTH SUITE 1000 LAKELAND, FL 33801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $201 | — | $201 | 8.42% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | DEPARTMENT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38 | — | $38 | 1.59% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $62K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $43K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $42K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.