| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 4.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $2 | $6K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30342 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.04% |
| BREECHER & GREENBERG LLC3 | 3438 PEACHTREE ROAD SUITE 1200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 8.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 8.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | VISION SERVICE PLAN | $3K | — | $3K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | HARTFORD LIFE AND ACCIDENT COMPANY | $1K | — | $1K | 8.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | HARTFORD LIFE AND ACCIDENT COMPANY | $1K | — | $1K | 6.37% |
| DAVID ASBURY3 Filed as: DAVID HARRIS ASBURY | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $590 | — | $590 | 4.90% |
| STEFAN BRECHER3 | 3438 PEACHTREE ROAD SUITE 1200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 2.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $259K |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 359 | $489K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 963 | $0 |
| Vision | VISION SERVICE PLAN | 372 | $81K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 384 | $434K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 384 | $434K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 359 | $259K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 384 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.