| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENESYS ENTERPRISES LLC3 Filed as: GENESYS | 2451 CUMBERLAND PARKWAY SE SUITE 3773 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $149K | $0 | $149K | 22.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$400 | $0 | -$400 | -0.06% |
| CARYN E. COOK3 | UNKNOWN APHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$13K | $0 | -$13K | -1.88% |
| GENESYS ENTERPRISES LLC3 Filed as: GENESYS | 2451 CUMBERLAND PARKWAY SE SUITE 3773 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $0 | $23K | 9.92% |
| GENESYS ENTERPRISES LLC3 Filed as: GENESYS ENTERPRISES, LLC | 2451 CUMBERLAND PARKWAY SE SUITE 3773 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $0 | $32K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $407 | $407 | 0.26% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $664K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 191 | $232K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 191 | $232K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $158K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $158K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $158K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $664K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.