| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $246 | $12K | 7.31% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE SUITE 103 TAMPA, FL 336142875 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $184 | $20K | 42.38% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $44 | $9K | 18.09% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE SUITE 103 TAMPA, FL 336142875 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $1K | $16K | 45.56% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $813 | $7K | 20.27% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE SUITE 103 TAMPA, FL 336142875 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $118 | $11K | 42.35% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $44 | $5K | 18.13% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE STE 103 TAMPA, FL 336142875 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $111 | $10K | 42.67% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $44 | $4K | 18.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 14.36% |
| TYLER HERRINGTON TORBETT3 | 3604 ROBINSON WALK DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | $248 | $595 | 5.76% |
| VINSON K ELLENBERG3 | 905 ADAIR AVE NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | $12 | $313 | 3.03% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFIT INC | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $9 | $228 | 2.21% |
| SHERI L MITCHELL INC3 | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $0 | $220 | 2.13% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $59 | $198 | 1.92% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE COODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 1.35% |
| OSCAR D LIEVANO3 | PO BOX 464897 LAWERENCE, GA 30042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 1.07% |
| PATRICE V L MILLS3 | 8253 CREEK STREET JONESBORO, GA 30236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.68% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $7 | $46 | 0.45% |
| KLD INSURANCE BENEFITS INC1 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $33 | $43 | 0.42% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.36% |
| MITCHELL HECTOR MORALES3 | 4679 SCORE CT SNELLVILLE, GA 30039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $2 | $26 | 0.25% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $1 | $26 | 0.25% |
| THOMAS WAYNE FIELDS3 | 204 POTOMAC CT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.18% |
| JESSICA CHRISTINE LEARD3 Filed as: JESSICA LEARD | 351 NORTH POST OAK LANE 610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.17% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.13% |
| DENISE J LEWIS-YOUNG3 Filed as: DENISE LEWIS SMITH | 2774 NIBLICK WAY DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DR NEWNAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFIT SOLUTIONS LLC | 22411 WILDWOOD GROVE DR KATY, TX 77450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| MARIA VERONICA JARQUE3 | 701 WRELTON DR SAN DIEGO, CA 92109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| MARC MAURICIO MORROW3 | 30218 VINEBRIAR DR SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| PATRICIA M PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| NORMAC SOLUTIONS INC | 3730 EVEREST SR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE STE 103 TAMPA, FL 336142878 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $111 | $10K | — |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $44 | $4K | — |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 250 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $169K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $169K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $169K |
| Other(7 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
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.