| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 303261142 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $55K | $55K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 11.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE RD NE SUITE 1100, PHIPPS TOWER ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP. OF GA | PHILLIPS TOWER, SUITE #1100 ATLANTA, GA 30326 | EYEMED VISION CARE | $937 | — | $937 | 12.29% |
| ELIZABETH H FINCHER4 | P.O. BOX 1382 ROSWELL, GA 30077 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $675 | — | $675 | 18.55% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE | STE 1950 200 GALLERIA PKWY SE ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $350 | — | $350 | 9.62% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $915K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $41K |
| Vision | EYEMED VISION CARE | 132 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $73K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $73K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $73K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.