| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 300 ATLANTA, GA 30342 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $25K | — | $25K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $6K | $753 | $7K | 0.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 352332310 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $3K | — | $3K | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | HUMANA INSURANCE COMPANY | $5K | $3K | $8K | 10.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 300 ATLANTA, GA 30342 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 6.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 2211 7TH AVE S BIRMINGHAM, AL 35233 | HUMANA INSURANCE COMPANY | $604 | — | $604 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY | $2K | $618 | $3K | 12.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY | $1K | $390 | $2K | 8.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $673 | $2K | 11.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $335 | $1K | 6.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $313 | $95 | $408 | 13.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP | 3438 PEACHTRE ROAD SUITE 1100 ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $343 | $48 | $391 | 12.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $315 | $95 | $410 | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORPORATION | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $333 | $44 | $377 | 12.64% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | 128 | $779K |
| Dental | HUMANA INSURANCE COMPANY | 135 | $75K |
| Vision | HUMANA INSURANCE COMPANY | 135 | $75K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 59 | $22K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $25K |
| Other(3 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | 259 | $803K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
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.