| 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 | $36K | — | $36K | 3.04% |
| 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 | $33K | $3K | $36K | 5.18% |
| ASSUREDPARTNERS3 Filed as: NORTHWESTERN BENEIFT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $397 | $16K | 10.26% |
| 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 | $15K | $257 | $15K | 15.26% |
| 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 | $7K | $125 | $7K | 15.26% |
| 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 | $4K | $111 | $4K | 10.27% |
| 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 | $2K | $349 | $3K | 9.46% |
| TYLER HERRINGTON TORBETT3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $615 | $638 | $1K | 4.47% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $526 | $274 | $800 | 2.86% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $43 | $348 | 1.24% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $276 | $11 | $287 | 1.02% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | $43 | $280 | 1.00% |
| LAURIE J BURNS3 | 303 PLYER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $4 | $268 | 0.96% |
| MARIA VERONICA JARQUE3 | 4085 NOBEL DR. SUITE 29 SAN DIEGO, CA 92122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $29 | $170 | 0.61% |
| SANDRA SIMS3 | 13750 W COLONIAL DRIVE STE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $29 | $124 | 0.44% |
| KENNETH B TORBETT3 | 453 BRUSHSTROKE COURT MARIETTA, GA 30067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.41% |
| B V STONE INC3 Filed as: BV STONE INC. | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.35% |
| MARYLINE Z ORELLANA3 | 2949 CLIPPER COVE LANE KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $2 | $82 | 0.29% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.25% |
| VINSON K ELLENBERG3 | 905 ADAIR AVENUE NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.20% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL STREET TAMPA, FL 33629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.18% |
| BARBARA J LAKE3 | 226 N HIGH STREET MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $8 | $44 | 0.16% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $7 | $21 | 0.07% |
| MICHAEL A DUARTE3 Filed as: MICHAEL DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $5 | $17 | 0.06% |
| CALVON Y BUCZKOWSKI3 Filed as: CALVON Y BACZKOWSKI | 2608 TALL MAPLE LOOP OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.04% |
| WORKSITE BENEFITS SOLUTION LLC3 | 323 PLEASANT STREET KISSIMMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $4 | $11 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.03% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.03% |
| DANSANA CORP3 | 3117 GOLD BANKS ROAD WAKE FOREST, NC 27587 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JAKORP INC3 Filed as: JAKORP INC. | 15254 WINESPRINGS COURT SAN DIEGO, CA 92127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.02% |
| WILLIAM RENNARD3 Filed as: WILLIAM RENNARDENT, LLC | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| NORWOOD BENEFIT SERVICES INC1 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,190 | $687K |
| Dental(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 1,190 | $1.9M |
| Vision(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 1,190 | $1.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $89K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $97K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 960 | $152K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 1,190 | $1.9M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,190 | — |
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.