| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5665 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | GREATER GEORGIA LIFE INSURANCE COMPANY | $13K | — | $13K | 9.48% |
| ACRISURE LLC3 | 220 WALNUT PLAZA MUNCIE, IN 47305 | GREATER GEORGIA LIFE INSURANCE COMPANY | $4K | $704 | $5K | 3.43% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30342 | GREATER GEORGIA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.81% |
| PEACHTREE BENEFIT GROUP INC3 Filed as: PEACHTREE BENEFIT GROUP | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30342 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $60K |
| CIGNA HEALTH AND LIFE INSURANCE COM | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing 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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $37K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 171 | $133K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 171 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.