| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUBREY E VAUGHN3 | 3438 PEACHTREE ROAD NE SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $3K | $1K | $4K | 4.30% |
| MATTHEW OLIN GOODWIN3 | 3438 PEACHTREE ROAD NE SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $458 | $2K | 2.09% |
| MICHAEL B HENDLEY3 | 400 INTERSTATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $2K | $428 | $2K | 2.06% |
| GOODWIN WRIGHT INC3 | 3438 PEACHTREE ROAD NE SUIE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $1K | $123 | $1K | 1.11% |
| CALLAWAY BLACK GRP INC3 Filed as: CALLAWAY BLACK GROUP INC | 400 INTERSATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $342 | $41 | $383 | 0.37% |
| AUBREY E VAUGHN3 | 3438 PEACHTREE ROAD NE SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $532 | $2K | 2.99% |
| MATTHEW OLIN GOODWIN3 | 3438 PEACHTREE ROAD NE SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $873 | $234 | $1K | 1.45% |
| MICHAEL B HENDLEY3 | 400 INTERSTATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $873 | $218 | $1K | 1.43% |
| GOODWIN WRIGHT INC3 | 3438 PEACHTREE ROAD NE SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $524 | $63 | $587 | 0.77% |
| CALLAWAY BLACK GRP INC3 Filed as: CALLAWAY BLACK GROUP INC | 400 INTERSTATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $175 | $21 | $196 | 0.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $44 | $2K | 5.52% |
| GROUP RISK SPECIALISTS INC3 | 3340 PEACHTREE ROAD NE SUITE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $56 | $2K | 4.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | — | $279 | $279 | 0.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | EYEMED VISION CARE | $2K | — | $2K | 5.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP OF GA | PHILLIPS TOWER SUITE 1100 ATLANTA, GA 30326 | EYEMED VISION CARE | $1K | — | $1K | 4.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 30.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORPORATION | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 20.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH GA EIN 58-1638390 ADMINISTRATIVE SVCES | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $303K |
| BLUE CROSS BLUE SHIELD GA EIN 58-1638390 NETWORK PHARM MARGIN | Other fees; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $80K |
| EDGEWOOD PARTNERS INSURANCE CENTER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $62K |
| NORTHWESTERN BENEFIT CORP OF GA | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $19K |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 536 | $302K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $31K |
| Vision | EYEMED VISION CARE | 471 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $37K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 396 | $113K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 396 | $141K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.