| 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 | — | $86K | $86K | 1.13% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: DIGITAL INSRUANCE LLC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | — | $64K | $64K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 19.24% |
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 | 684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,112 | $7.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $431K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $431K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $431K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $431K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $431K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.