| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $219K | $9K | $228K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 5.81% |
| AMWINS5 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 4.65% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $0 | $13K | $13K | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $15K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 17.00% |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 681 | $5.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 681 | $5.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 681 | $5.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 571 | $274K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 571 | $274K |
| Prescription drug | WELLNET | 538 | $0 |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 571 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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."
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.