| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 950 EAST PACES FERRY RD. STE. 2 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA,INC.(G0386) | $3K | $450 | $4K | 0.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY. #300 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA,INC.(G0386) | $2K | — | $2K | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP GA | 950 EAST PACES FERRY RD. STE. 2 ATLANTA, GA 30326 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | $1K | $201 | $2K | 0.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY. # 300 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | $824 | — | $824 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 950 EAST PACES FERRY RD. STE #2 ATLANTA, GA 30326 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | $546 | $2K | 7.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLEREIA PKWY. #300 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEORGIA DENTAL INSURANCE SERVICES EIN 58-2329489 RELATED PARTY | Plan Administrator; Direct payment from the plan Service code 14 | — | $511K |
| NORTHWESTERN BENEFIT CORP OF GA EIN 20-3887041 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $155K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) 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 | 1,050 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,058 | 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) | 1,327 | $14.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | 1,150 | $4.5M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,058 | $27K |
| Other | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,058 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,327 | — |
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."
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.