| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | CONCOURSE CORPORATE CTR FIVE FL18 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 6.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER 3438 PEACHTREE RD, NE, SUITE 1100 ATLANTA, GA 30326 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 3.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289545 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $260K |
| NORTHWESTERN BENEFIT CORP OF GA EIN 20-3887041 BROKER | Other commissions Service code 55 | — | $0 |
| WILLIS INSURANCE SERVICES OF GA INC EIN 58-1704046 BROKER | Other commissions Service code 55 | — | $0 |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $369K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $369K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $369K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $369K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
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.