| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $90K | $90K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD SUITE 1100 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $54K | $54K | 1.71% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE RD ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $414 | $4K | 2.53% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 8.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 6.22% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 8.69% |
| NORTH3 | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 6.31% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 8.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 6.27% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 8.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE RD ATLANTA, GA 30326 | EYEMED VISION CARE D/B/A FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.35% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | EYEMED VISION CARE D/B/A FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.11% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $760 | $0 | $760 | 8.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $539 | $0 | $539 | 6.23% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $437 | $0 | $437 | 11.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE RD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $336 | $0 | $336 | 8.69% |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $178K |
| Vision | EYEMED VISION CARE D/B/A FIDELITY SECURITY LIFE INSURANCE COMPANY | 528 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 332 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 332 | $101K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.
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.