| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ASBURY3 Filed as: DAVID H ASBURY | PHIPPS TOWER SUITE 1100 3438 PEACHTREE DUNWOODY ROAD ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF ARKANSAS, INC. | $27K | — | $27K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | $2K | $16K | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | — | $12K | 13.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | VISION SERVICE PLAN | $949 | — | $949 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $607 | $2 | $609 | 3.95% |
| GALLAGHER BENEFIT SERVICES, INC.1 Filed as: WELLS FARGO INS. SVCS USA INC.-ATL | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $269 | $3 | $272 | 1.76% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARKANSAS, INC. | 392 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 213 | $146K |
| Vision | VISION SERVICE PLAN | 182 | $24K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $89K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $89K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $89K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.