| 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 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA,INC.(G0386) | $3K | $914 | $4K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP GA | 3438 PEACHTREE RD, PHIPPS TOWER ATLANTA, GA 30326 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | $1K | $450 | $2K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD, PHIPPS TOWER ATLANTA, GA 30326 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEORGIA DENTAL INSURANCE SERVICES EIN 58-2329489 RELATED PARTY | Direct payment from the plan; Plan Administrator Service code 14 | — | $770K |
| NORTHWESTERN BENEFIT CORP OF GA EIN 20-3887041 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $84K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
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 | 1,054 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA,INC.(G0386) | 1,294 | $14.9M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | 1,167 | $4.9M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,057 | $28K |
| Other | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,057 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,294 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.