| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | GREATER GEORGIA LIFE INSURANCE COMPANY | $14K | $1K | $15K | 11.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $5K | — | $5K | 6.00% |
| JOSEPH H DREW3 | PO BOX 86WER SUITE 1100 BOLINGBROKE, GA 31004 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $2K | $255 | $2K | 10.67% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 157 | $91K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 194 | $17K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 197 | $127K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 197 | $127K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 197 | $127K |
| Other | GREATER GEORGIA LIFE INSURANCE COMPANY | 197 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.