| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 303261134 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $40K | $5K | $46K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $736 | $3K | 7.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $648 | $4K | 11.83% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 4.18% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | ALLSTATE | $7K | — | $7K | 24.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | ALLSTATE | $3K | — | $3K | 11.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | EYEMED | $846 | — | $846 | 9.77% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 123 | $582K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $40K |
| Vision | EYEMED | 102 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 125 | $35K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 125 | $35K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 125 | $35K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 125 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.