| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 0.65% |
| THE MCCART GROUP INC3 Filed as: THE MCCART GRUP | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $266 | $266 | 0.01% |
| EDGWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $1K | $14K | 16.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTENERS INSURANCE CENTER | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $581 | $7K | 16.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $513 | $6K | 16.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $228 | $2K | 17.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADM | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $125K |
| THE MCCART GROUP INSUR BRKR | Insurance services; Insurance agents and brokers Service code 22 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | $2K |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 328 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 328 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $39K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.