| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $65K | $77K | 6.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.13% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK RD CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 34.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $193 | $5K | 15.27% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $920 | $920 | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $637 | $4K | 20.29% |
| NOTHWESTERN BENEFIT CORP OF GA3 Filed as: NOTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $693 | $4K | 20.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $234 | $1K | 20.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $682 | $135 | $817 | 20.38% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.4M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.3M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $233K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $7K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.