| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER STE 1100 3438 PEACHTREE RD NE ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $157K | $157K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE SUITE 1100 PHIPPS TOWER ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $8K | $39K | 10.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | SUITE 400 3333 RIVERWOOD PKWY SE ATLANTA, GA 303393304 | HUMANA INSURANCE COMPANY | $48 | — | $48 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP. OF GA | PHILLIPS TOWER SUITE #1100 ATLANTA, GA 30326 | VISION SERVICE PLAN | $3K | — | $3K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE SUITE 1100 PHIPPS TOWER ATLANTA, GA 30326 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $0 | $0 | $0 | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEWYORK, NY 10019 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $0 | — | $0 | — |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 788 | $3.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 837 | $366K |
| Vision | VISION SERVICE PLAN | 617 | $38K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 837 | $437K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 837 | $366K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 837 | $366K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 837 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.