| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | PHILLIPS TOWER, SUITE 1100 ATLANTA, GA 30326 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 3.27% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.59% |
| JOHNSON AND BRYAN INC3 Filed as: JOHNSON AND BRYAN, INC. | PO BOX 20138 ATLANTA, GA 30325 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD NE, SUITE 1100 ATLANTA, GA 30326 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 3.98% |
| JOHNSON AND BRYAN INC3 Filed as: JOHNSON AND BRYAN, INC. | 1575 NORTHSIDE DRIVE BUILDING 100 ATLANTA, GA 30318 | AMERITAS LIFE INSURANCE CORPORATION | $259 | — | $259 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | PHILLIPS TOWER, SUITE 1100 ATLANTA, GA 30326 | AMERICA UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 7.47% |
| JOHNSON AND BRYAN INC3 Filed as: JOHNSON AND BRYAN, INC. | PO BOX 20138 ATLANTA, GA 30325 | AMERICA UNITED LIFE INSURANCE COMPANY | $620 | — | $620 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD NE, SUITE 1100 ATLANTA, GA 30326 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 3.63% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 2.20% |
| B V STONE INC3 Filed as: BV STONE, INC. | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 2.00% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 1.25% |
| HORIZON MANAGEMENT LLC3 Filed as: HORIZON MANAGEMENT, LLC | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.51% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES, INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | PHILLIPS TOWER, SUITE 1100 ATLANTA, GA 30326 | EYEMED VISION CARE | $411 | — | $411 | 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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 62 | $435K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 136 | $40K |
| Vision | EYEMED VISION CARE | 77 | $4K |
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 66 | $24K |
| Short-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 66 | $24K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 66 | $24K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 62 | $435K |
| Other(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 66 | $29K |
| 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.