| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $63K | $73K | 4.70% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE SUWANEE, GA 30024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $21K | $24K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 13.23% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $819 | $0 | $819 | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 15.34% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $692 | $0 | $692 | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 12.43% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $335 | $0 | $335 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 44.04% |
| SMITH, THOMAS, CHRISTOPHER3 | P.O. BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $105 | $1K | 20.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 INSURANCE CARRIER | Claims processing; Contract Administrator Service code 12 | — | $84K |
| DISCOVERY BENEFITS EIN 90-0058554 FSA ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $33K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $33K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.