| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 950 EAST PACES FERRY RD. STE 2 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $76K | $8K | $84K | 0.80% |
| ASSUREDPARTNERS3 Filed as: NORTHWESTERN BENEIFT CORP OF GA | 3438 PEACHTREE RD, PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $17K | — | $17K | 0.17% |
| PJ SKELTON LLC3 Filed as: SKELTON-MORRIS ASSOCIATES | 26 CHANDLER CTR HARTWELL, GA 30643 | PRINCIPAL LIFE INSURANCE COMPANY | $80K | — | $80K | 11.91% |
| AP BENEFIT ADVISORS, LLC3 | 1170 WILSON HALL RD SUMTER, SC 29150 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 950 EAST PACES FERRY RD STE 2 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $10K | $3K | $13K | 10.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $2K | — | $2K | 1.70% |
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 | 1,583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,238 | $10.4M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,238 | $10.4M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,084 | $122K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,583 | $675K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,583 | $675K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,583 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,583 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.