| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREDAS ADVISORS3 | P.O. BOX 162822 ATLANTA, GA 30321 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $2K | $137K | $139K | 3.29% |
| ROXANNA WELLS3 | P.O.BOX 162822 ATLANTA, GA 30321 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $16 | $211 | $227 | 0.01% |
| EXCALIBUR FINANCIAL GROUP3 | 302 KNIGHTS RUN AVE SUITE 110 TAMPA, FL 33602 | CIGNA HEALTH & LIFE INSURANCE COMPANY | -$66 | -$530 | -$596 | -0.01% |
| CREDAS ADVISORS3 | 3308 NORTH WHITNEY AVE ATLANTA, FL 30354 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $24K | 9.81% |
| 360 WEALTH & BENEFITS, INC3 Filed as: 360 WEALTH & BENEFITS | 13507 WESTSHIRE DR TAMPA, FL 33618 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.84% |
| CREDAS ADVISORS3 Filed as: CREDAS ADVISORS INC | 3308 NORTH WHITNEY AVE ATLANTA, GA 30354 | GUARDIAN LIFE INSURANCE OF AMERICA | $46K | $2K | $49K | — |
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 | 523 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 523 | $4.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 523 | $4.5M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 523 | $4.5M |
| Life insurance | GUARDIAN LIFE INSURANCE OF AMERICA | 441 | $0 |
| Short-term disability | GUARDIAN LIFE INSURANCE OF AMERICA | 441 | $0 |
| Long-term disability | GUARDIAN LIFE INSURANCE OF AMERICA | 441 | $0 |
| Other | GUARDIAN LIFE INSURANCE OF AMERICA | 441 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.