| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER 3438 PEACHTREE ROAD, SUITE 1100 ATLANTA, GA 30326 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 3.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA | 806 TYVOLA ROAD SUITE 108 CHARLOTTE, NC 28217 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS OF MASSACHUSETTS, INC. EIN 04-2392279 BROKER | Insurance agents and brokers; Other commissions Service code 22 | — | $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 | 818 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 818 | $280K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 818 | $280K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 818 | $280K |
| Other | AETNA LIFE INSURANCE COMPANY | 818 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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 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.