Form 5500 · Employee benefit plan · ATLANTA, GA
LOYAL HEALTH, INC
The filing calls this plan LOYAL HEALTH, INC. WELFARE BENEFIT PLAN.
LOYAL HEALTH, INC of ATLANTA, GA is a 203-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is PATRIOT GROWTH INS SERVICES, LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-5146583 · plan 501 · plan year 2024, filed Jul 24, 2025
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How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 62 people.
Reported premium across the insured contracts is $234,987, with $14,904 in disclosed broker commissions — about 6.3% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in October. The plan is on a split renewal cycle.
PATRIOT GROWTH INS SERVICES, LLC is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, ARMADACARE and FIRST STOP HEALTH, LLC. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 62 | Jan 1, 2025 | $125,796 | $6,948 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 51 | Jan 1, 2025 | $64,662 | $6,868 |
| ARMADACARE | Health | 3 | Sep 1, 2024 | $30,921 | $1,088 |
| FIRST STOP HEALTH, LLC | — | 99 | Nov 1, 2024 | $13,608 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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