| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $109K | $127K | 4.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE NE STE 500 ATLANTA, GA 30342 | UNITED HEALTHCARE INSURANCE COMPANY | -$857 | — | -$857 | -0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $95 | $4K | 9.59% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $479 | $2K | 3.37% |
| HORIZON MANAGEMENT LLC3 Filed as: HORIZON MANAGEMENT, LLC | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $719 | $346 | $1K | 2.36% |
| TYLER HERRINGTON TORBETT3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $805 | $252 | $1K | 2.34% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $863 | $194 | $1K | 2.34% |
| B V STONE INC3 Filed as: BV STONE INC. | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $508 | $72 | $580 | 1.29% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $478 | $49 | $527 | 1.17% |
| JEREMY MAX SCHAFFEL3 | 12120 NW 10TH STREET CORAL SPRINGS, FL 33071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | — | $333 | 0.74% |
| VINSON K ELLENBERG3 | 905 ADAIR AVENUE NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | $19 | $298 | 0.66% |
| GRACE LYNN ALMENDAREZ3 | 6451 SW 21 STREET MIAMI, FL 33155 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.61% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL STREET TAMPA, FL 33629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $34 | $204 | 0.45% |
| DANSANA CORP3 | P.O. BOX 17138 PLANTATION, FL 33318 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $11 | $184 | 0.41% |
| KYLE RUSSEY3 | 10709 INDIAN TRAIL COOPER CITY, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $99 | $157 | 0.35% |
| HEATHER LEA HOOTEN3 | 7111 NE 222ND STREET MELROSE, FL 32666 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.02% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.02% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR. S SAINT JOHNS, FL 32259 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.02% |
| STACEY DIANE QUANCE3 | 5682 RIVER OAKS PLACE ATLANTA, GA 30327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 Filed as: NORTH FLORIDA BROKER SOLUTIONS | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GAC. | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL STREET TAMPA, FL 33629 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $3 | $9 | 12.86% |
| HORIZON MANAGEMENT LLC3 | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 2.86% |
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 | 800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 612 | $2.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 612 | $2.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 612 | $2.8M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 800 | $49K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 798 | $87K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 800 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.