| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORPORATION | 3438 PEACHTREE RD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF GEORGIA | $32K | — | $32K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORPORATION | 950 EAST PACES FERRY RD STE 2 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF GEORGIA | $13K | $2K | $15K | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GA INC | PO BOX 889009 ATLANTA, GA 30356 | BLUE CROSS BLUE SHIELD OF GEORGIA | $8K | — | $8K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORPORATION | 3438 PEACHTREE RD SUITE 1100 ATLANTA, GA 30326 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 10.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GA | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 9.51% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA | 121 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA | 121 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 121 | $1.2M |
| Life insurance | BLUE CROSS BLUE SHIELD OF GEORGIA | 121 | $1.2M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 36 | $12K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 36 | $12K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 36 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.