Form 5500 · Employee benefit plan · PERRY, GA
SIGMA DEFENSE SYSTEMS, LLC
The filing calls this plan SIGMA DEFENSE SYSTEMS, LLC WELFARE BENEFITS PLAN.
SIGMA DEFENSE SYSTEMS, LLC of PERRY, GA is a 446-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is ALTERA PAYROLL & INSURANCE INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-5844944 · plan 503 · plan year 2024, filed Jul 28, 2025
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77 other employer plans in Georgia have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 388 people.
Reported premium across the insured contracts is $2,595,496, with $267,578 in disclosed broker commissions — about 10% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
ALTERA PAYROLL & INSURANCE INC. is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, PRINCIPAL LIFE INSURANCE COMPANY, STARMOUNT LIFE INSURANCE COMPANY and HARTFORD LIFE AND ACCIDENT. 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 | 388 | Sep 1, 2024 | $1,398,864 | $111,880 |
| PRINCIPAL LIFE INSURANCE COMPANY | Vision, Life, Disability | 953 | Jan 1, 2025 | $620,542 | $101,063 |
| STARMOUNT LIFE INSURANCE COMPANY | Dental | 357 | Jan 1, 2025 | $270,958 | $24,145 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 25 | Jan 1, 2025 | $221,539 | $22,154 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Health | 107 | Jan 1, 2025 | $39,388 | $5,908 |
| HARTFORD LIFE AND ACCIDENT | — | 82 | Jan 1, 2025 | $42,735 | $2,281 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 17 | Jan 1, 2025 | $1,470 | $147 |
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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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