| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWESTER BENEFIT CORP OF GA3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATANTA, GA 30326 | ONEAMERICA | $13K | $2K | $15K | 15.49% |
| DAVID ASBURY3 Filed as: DAVID H ASBURY | PHIPPS TOWER SUITE 1100 3438 PEACHTREE DUNWOODY ROAD ATLANTA, GA 30326 | ARKANSAS BLUE CROSS BLUE SHIELD | — | — | $0 | 0.00% |
| 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 | $2K | $52 | $2K | 13.10% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | ARKANSAS BLUE CROSS BLUE SHIELD | 170 | $1.1M |
| Dental(5 contracts) | ARKANSAS BLUE CROSS BLUE SHIELD | 157 | $121K |
| Vision(5 contracts) | ARKANSAS BLUE CROSS BLUE SHIELD | 119 | $31K |
| Life insurance | ONEAMERICA | 263 | $97K |
| Short-term disability | ONEAMERICA | 263 | $97K |
| Long-term disability | ONEAMERICA | 263 | $97K |
| Prescription drug(5 contracts) | ARKANSAS BLUE CROSS BLUE SHIELD | 170 | $1.1M |
| Other(2 contracts, 2 carriers) | ONEAMERICA | 263 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.