| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | SYMETRA | $83K | — | $83K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $12K | $2K | $14K | 8.25% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM SUITE 900 DENVER, CO 80202 | ANTHEM BLUE CROSS | $3K | — | $3K | 3.61% |
| GROUP INSURANCE ANALYSTS INC3 | PO BOX 1246 ARVADA, CO 80001 | ANTHEM BLUE CROSS | $2K | — | $2K | 2.26% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.03% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.75% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 7.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | HUMANADENTAL INSURANCE COMPANY | $836 | $82 | $918 | 5.64% |
| AFFORDABLE MEDICARE SOLUTIONS3 | 3525 LAWRENCEVILLE SUWANE SUWANEE, GA 30024 | HUMANADENTAL INSURANCE COMPANY | $626 | — | $626 | 3.85% |
| LISA M LOUDIN3 | 2129 GUILFORD ROAD ROCKFORD, IL 61107 | AFLAC | $409 | — | $409 | 4.20% |
| ANDREW C KRAUSS3 | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $268 | — | $268 | 2.75% |
| PETER J TEKAMPE3 | 317 MARKET STREET SUITE 2 ROCKFORD, IL 61107 | AFLAC | $125 | — | $125 | 1.28% |
| LYNETTE R STEVENS3 | 203 ASHWOOD DRIVE SYCAMORE, IL 60178 | AFLAC | $63 | — | $63 | 0.65% |
| AMY KNUTSON3 | 421 HIGGINS DRIVE EVANSVILLE, WI 53536 | AFLAC | $58 | — | $58 | 0.60% |
| VINCE SCALETTA3 | 4552 NORTH OTTAWA AVENUE NORRIDGE, IL 60706 | AFLAC | $31 | — | $31 | 0.32% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $28 | — | $28 | 0.29% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PLACE LOUISVILLE, KY 40245 | AFLAC | $24 | — | $24 | 0.25% |
| PETER J TEKAMPE3 | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $22 | — | $22 | 0.23% |
| ADRIANA D KRAUSS3 | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $21 | — | $21 | 0.22% |
| ORLANDO R DOBRINCU3 | 15419 WEST 127TH STREET LEMONT, IL 60439 | AFLAC | $20 | — | $20 | 0.21% |
| JONATHAN H EVERETT3 | 1613 NEWMAN STREET JANESVILLE, WI 53545 | AFLAC | $20 | — | $20 | 0.21% |
| SCALETTA INSURANCE AGENCY INC3 | 4552 NORTH OTTAWA AVENUE NORRIDGE, IL 60706 | AFLAC | $20 | — | $20 | 0.21% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $13 | — | $13 | 0.13% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $11 | — | $11 | 0.11% |
| CHAD L NELSON3 | 5266 NORTH KUFLAK LANE BYRON, IL 61010 | AFLAC | $11 | — | $11 | 0.11% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $9 | — | $9 | 0.09% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $7 | — | $7 | 0.07% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $6 | — | $6 | 0.06% |
| MICHAEL J SKOFF3 | 317 MARKET STREET ROCKFORD, IL 61107 | AFLAC | $5 | — | $5 | 0.05% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $4 | — | $4 | 0.04% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.02% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL J SKOFF3 | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $1 | — | $1 | 0.01% |
| ELIZABETH M GASPAROVIC3 | 1531 WEST RUE JAMES PLACE PALATINE, IL 60067 | AFLAC | $1 | — | $1 | 0.01% |
| LISA MARIE QUISENBERRY3 | 929 BOX ELDER DRIVE KIRKWOOD, MO 63122 | AFLAC | $1 | — | $1 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.01% |
| NANCY ANN CLEMENTS3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $330 | — | $330 | 5.51% |
| MARY E MURPHY3 | 469 ANDOVER WOODS COURT FENTON, MI 48430 | AFLAC | $113 | — | $113 | 1.89% |
| CHARLES S HIMELHOCH JR3 | 1506 YORKSHIRE DRIVE #24 HOWELL, MI 48843 | AFLAC | $100 | — | $100 | 1.67% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $78 | — | $78 | 1.30% |
| KATHRYN ERIN MCNEIL3 | 1708 AQUA MARINE BOULEVARD AVON LAKE, OH 44012 | AFLAC | $69 | — | $69 | 1.15% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $61 | — | $61 | 1.02% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $60 | — | $60 | 1.00% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $48 | — | $48 | 0.80% |
| KIMBERLY M MCNULTY3 | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $38 | — | $38 | 0.63% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $4 | — | $4 | 0.07% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $4 | — | $4 | 0.07% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | — | $204 | 6.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | COMPBENEFITS INSURANCE COMPANY | $195 | $24 | $219 | 11.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | HUMANA INSURANCE COMPANY | $72 | $4 | $76 | 8.05% |
| AFFORDABLE MEDICARE SOLUTIONS3 | 3525 LAWRENCEVILLE SUWANE SUWANEE, GA 30024 | HUMANA INSURANCE COMPANY | $69 | — | $69 | 7.31% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 15 | $247K |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 18 | $98K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 365 | $23K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 267 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 267 | $32K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 229 | $591K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 267 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.