| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $136K | $906 | $137K | 6.01% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 7.30% |
| STEVEN MONEY3 Filed as: STEVEN D MONEY | 225 WING MILL RD ATLANTA, GA 303503153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.16% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| ELENI A NIKOLAS3 | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 0.24% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B DUCKETT | 60 PERIMETER CENTER PLACE APT 648 ATLANTA, GA 30346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $4K | $10K | 15.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $9K | 16.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSRUANCE CENTER | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $4K | 16.09% |
| YVETTE MAYO4 | P.O. BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 13.83% |
| JOHN R. MAYO4 | P.O. BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $514 | — | $514 | 3.33% |
| VICKY METHVEN4 Filed as: VICKY L METHVEN | 10917 NE 41ST DR KIRKLAND, WA 98033 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $225 | — | $225 | 1.46% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 77445 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $112 | — | $112 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: TERRY L. MERCER | 3131 EDGEWATER DR GAINSVILLE, GA 30501 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | — | $10 | 0.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $864 | $528 | $1K | 16.11% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 463 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 463 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 463 | $2.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $62K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 463 | $2.3M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 389 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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 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.