| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 950 EAST PACES FERRY ROAD SUITE 2 ATLANTA, GA 30326 | GREATER GEORGIA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 12.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY #300 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $6K | — | $6K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $2K | $122 | $2K | 9.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PKWY #300 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $301 | — | $301 | 1.59% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 151 | $93K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 208 | $19K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 193 | $116K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 193 | $116K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 193 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.