| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 1.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA SE STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 200 ATLANTA, GA 30339 | ONEAMERICA | $6K | $1K | $7K | 6.99% |
| ELIZABETH A SCHENK3 | SUITE 300 ORLANDO, FL 32519 | ONEAMERICA | $0 | $5K | $5K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | ONEAMERICA | $5K | — | $5K | 4.34% |
| NORTHESTERN BENEFIT CORP OF GA3 | 3333 GALLERIA PARKWAY SUITE 400 ATLANTA, GA 30339 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | DELTA DENTAL INSURANCE COMPANY | $436 | — | $436 | 2.07% |
| BURNHAM, BRIAN K3 | 1209 W BURGANDY AVE LITTLETON, CO 80127 | AMERICAN FIDELITY ASSURANCE COMPANY | $370 | — | $370 | 8.63% |
| SCHULZ, LOTHAR3 | 1418 N HANCOCK AVENUE COLORADO SPRINGS, CO 80903 | AMERICAN FIDELITY ASSURANCE COMPANY | $254 | — | $254 | 5.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $68 | — | $68 | 1.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $45 | — | $45 | 1.05% |
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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 405 | $2.2M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 208 | $108K |
| Vision | VSP | 162 | $32K |
| Life insurance | ONEAMERICA | 298 | $104K |
| Short-term disability(2 contracts, 2 carriers) | ONEAMERICA | 298 | $108K |
| Long-term disability(2 contracts, 2 carriers) | ONEAMERICA | 298 | $108K |
| Other(2 contracts, 2 carriers) | ONEAMERICA | 298 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.