| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | KAISER FOUNDATION HEATH PLAN OF GEORGIA | $44K | $0 | $44K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | $0 | $311 | 0.70% |
| GUILLEN NAYELIN3 | 2127 WOOD TERRACE RIDGE ATLANTA, GA 30340 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.70% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD SUITE 250 ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.63% |
| LABOW MAIA3 Filed as: LABOW | 666 DUNDEE RD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $726 | $0 | $726 | 1.86% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD SUITE 311 CHARLOTTE, NC 28209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | $0 | $367 | 0.94% |
| TRZOS DANIEL3 | PO BOX 160235 ATLANTA, GA 30316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.06% |
| GUILLEN NAYELIN3 Filed as: GUILLEN CARLOS | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.46% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $799 | $0 | $799 | 4.61% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $452 | $0 | $452 | 14.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 44 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | — | — | $0 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTONM COMPANIES LLC | 8110 E UNION SUITE 700 DENVER, CO 80237 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | — | — | $0 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | — | — | $0 | — |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEATH PLAN OF GEORGIA | 398 | $882K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 313 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $17K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 313 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.