| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $50K | — | $50K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 303261555 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $4K | $8K | 4.61% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 4.72% |
| ASBURY, DAVID, HARRIS3 Filed as: ASBURY, DAVID H | PHIPPS PLAZA SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $3K | $762 | $4K | 4.59% |
| AUBREY E VAUGHN3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $1K | $254 | $1K | 1.53% |
| GOODWIN WRIGHT INC3 Filed as: GOODWIN WRIGHT, INC. | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $977 | $86 | $1K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD NE ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $741 | $6K | 15.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $97 | $1K | 6.80% |
| 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 | $437 | $7 | $444 | 3.60% |
| DIRECTPATH, LLC3 | 120 18TH STREET S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | EYEMED VISION CARE D/B/A FIDELTIY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 17.88% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 231 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $168K |
| Vision | EYEMED VISION CARE D/B/A FIDELTIY SECURITY LIFE INSURANCE COMPANY | 301 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $164K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $164K |
| Long-term disability | NORTHWESTERN MUTUAL | 253 | $88K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.