| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORPGA | 3438 PEACHTREE ROAD ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $96K | $7K | $103K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | P O BOX 507 CAROLLTON, GA 30112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 12.69% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE NE SUITE 100 CHAMBLEE, GA 30341 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.92% |
| PEACHTREE BENEFIT GROUP INC3 Filed as: PEACHTREE BENEFIT PARTNERS OF GA | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 507 CARROLLTON, GA 30112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 12.85% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 507 CARROLLTON, GA 30112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.52% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE NE SUITE 100 CHAMBLEE, GA 30341 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 ADMIN SERVICES | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $281K |
| BLUE CROSS AND BLUE SHIELD OF GA EIN 58-0469845 ADMIN SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Float revenue; Claims processing Service code 12 | — | $28K |
| NORTHWESTERN BENEFIT CORP OF GA EIN 20-3887041 BROKER | Insurance agents and brokers; Insurance services Service code 22 | — | $0 |
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 | 523 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 928 | $1.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,038 | $328K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,038 | $328K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $28K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.