| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $55K | $64K | 6.23% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.03% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| GOODRUM, PHILLIP, PORTER3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 33.49% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $227 | $6K | 14.95% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 3.59% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $308 | $4K | 17.84% |
| ENROLLEASE3 Filed as: NOTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $319 | $3K | 19.01% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $116 | $2K | 18.36% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $654 | $66 | $720 | 18.72% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | 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 | 118 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $1.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $249K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $8K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.