| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $91K | $0 | $91K | 3.05% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 6.97% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.32% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 20.55% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 25.33% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.52% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $699 | $3K | 20.51% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 421 | $3.0M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $166K |
| Vision | VISION SERVICE PLAN | 162 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $50K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.