| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUBREY E VAUGHN3 | 5308 BEAVER CREEK ROAD ALPHRETTA, GA 30022 | NORTHWESTERN MUTUAL | $4K | $945 | $5K | 4.25% |
| MICHAEL B HENDLEY3 | 400 INTERSTATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $2K | $472 | $2K | 2.13% |
| MATTHEW OLIN GOODWIN3 | 3438 PEACHTREE ROAD NE PHIPPS TOWER SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $472 | $2K | 2.13% |
| GOODWIN WRIGHT INC3 | 3438 PEACHTREE ROAD NE PHIPPS TOWER SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $991 | $119 | $1K | 1.01% |
| CALLAWAY BLACK GRP INC3 Filed as: CALLAWAY BLACK GRPUP INC | 400 INTERSTATE N PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $508 | $61 | $569 | 0.52% |
| AUBREY E VAUGHN3 | 5308 BEAVER CREEK ROAD ALPHARETTA, GA 30326 | NORTHWESTERN MUTUAL | $2K | $514 | $3K | 3.11% |
| MICHAEL B HENDLEY3 | 400 INTERSTATE N PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $1K | $257 | $1K | 1.55% |
| GOODWIN WRIGHT INC3 | 3438 PEACHTREE ROAD NE PHIPPS TOWER SUITE 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $540 | $65 | $605 | 0.74% |
| CALLAWAY BLACK GRP INC3 Filed as: CALLAWAY BLACK GROUP | 400 INTERSTATE N PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $276 | $33 | $309 | 0.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $608 | $7K | 15.12% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALIST | 3340 PEACHTREE ROAD SUITE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 5.37% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALIST | 3340 PEACHTREE ROAD SUITE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | — | $207 | $207 | 0.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | EYEMED VISION CARE | $3K | — | $3K | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BPX 5668 CONCORD, CA 94524 | EYEMED VISION CARE | $844 | — | $844 | 2.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $1K | $17K | 49.59% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 274 | $302K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 274 | $33K |
| Vision | EYEMED VISION CARE | 488 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $45K |
| Short-term disability | NORTHWESTERN MUTUAL | 315 | $82K |
| Long-term disability | NORTHWESTERN MUTUAL | 313 | $110K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS BLUE SHIELD | 274 | $302K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.