| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $62 | $4K | 3.37% |
| RESOURCE SEVEN3 | 500 LANIER AVE W SUITE 203 FAYETTEVILLE, GA 30214 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $883 | $5K | 7.08% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 500 LANIER AVE W SUITE 203 FAYETTEVILLE, GA 30214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $177 | $5K | 12.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $381 | $3K | 10.44% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 500 LANIER AVE W SUITE 203 FAYETTEVILLE, GA 30214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 19.09% |
| RESOURCE SEVEN3 | 500 LANIER AVE W SUITE 203 FAYETTEVILLE, GA 30214 | UNITEDHEALTHCARE INSURANCE COMPANY | $312 | $0 | $312 | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $57K | $58K | — |
| RESOURCE SEVEN3 | 240 LANIER AVE E FAYETTEVILLE, GA 30214 | UNITEDHEALTHCARE INSURANCE COMPANY | $923 | $37K | $38K | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $693 | $18K | $19K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS EIN 90-0058554 FSA ADMIN | Claims processing Service code 12 | — | $4K |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 430 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 568 | $122K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $75K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.