| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUTCHINSON-TRAYLOR AGENCY3 | PO BOX 1049 LAGRANGE, GA 30241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE STE 1100 ATLANTA, GA 303261555 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $567 | $567 | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE STE 1100 ATLANTA, GA 30326 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.26% |
| HUTCHINSON-TRAYLOR AGENCY3 | PO BOX 1049 LAGRANGE, GA 30241 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $910 | — | $910 | 3.25% |
| ENROLLEASE4 Filed as: ONE DIGITAL- ATLANTA | 1 ATTN ACCOUNT MANAGEMENT ATLANTA, GA 30339 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $464 | — | $464 | 1.65% |
| HUTCHINSON-TRAYLOR AGENCY3 | PO BOX 1049 LAGRANGE, GA 30241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE STE 1100 ATLANTA, GA 303261555 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $307 | $307 | 1.76% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR AGENSY | PO BOX 1049 LAGRANGE, GA 30241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: NORTHWESTERN BENFIT CORP OF GA | 3438 PEACHTREE RD NE STE 1100 ATLANTA, GA 303261555 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $196 | $196 | 1.83% |
| HUTCHINSON-TRAYLOR AGENCY3 | PO BOX 1049 LAGRANGE, GA 30241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $727 | — | $727 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE STE 1100 ATLANTA, GA 303261555 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $139 | $139 | 1.91% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | 327 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $11K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.