| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD NE PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $38K | $47K | 4.76% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW, SUITE 100 ATLANTA, GA 30318 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $8K | $10K | 1.01% |
| HORACE E GASKINS JR3 Filed as: HORACE E. GASKINS, JR | 1000 JOHNSON FERRY ROAD, SUITE B120 MARIETTA, GA 30068 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$10 | -$10 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 8081 ARCO CORPORATE DRIVE SUITE 100 RALEIGH, NC 27617 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2430 MALL DRIVE, SUITE 280 NORTH CHARLESTON, SC 29406 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD NE PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 14.27% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW, SUITE 100 ATLANTA, GA 30318 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $991K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $991K |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $141K |
| Short-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $141K |
| Long-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $141K |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $1.4M |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
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.