| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $103K | $0 | $103K | 19.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $4K | $13K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 11.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD NE STE 1100 ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $860 | $7K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.75% |
| NORTWESTERN BENEFIT CORP OF GA3 | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | EYEMED | $2K | $0 | $2K | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.75% |
| DAVID ASBURY3 | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $793K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 207 | $88K |
| Vision | EYEMED | 424 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $70K |
| Prescription drug | BLUE CORSS AND BLUE SHIELD OF ALABAMA | 89 | $257K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.