| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $55K | $2K | $56K | 2.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $14K | — | $14K | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | $9K | $6K | $15K | 11.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 25.07% |
| DOUGLAS H CRAWFORD JR3 Filed as: DOUGLAS H CRAWFORD JR. | 1224 PEACOCK AVENUE STE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 8.76% |
| KRISTEN L BULEY3 | 1224 PEACOCK AVE #205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.72% |
| CARSON P HAND3 | 1224 PEACOCK AVENUE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.63% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER, SR | 1224 PEACOCK AVE SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.21% |
| JAMES STANLEY ALLEN3 Filed as: JAMES L HOLMAN | 100 PLUMMER PLACE DRIVE HAMILTON, GA 31811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.47% |
| ROBERT M BAKER3 | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| CLINT WILLIAMSON3 Filed as: CLINT S WILLIAMSON | 777 HWY 315 CAFAULA, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| HEATHER JANE SCHEEL3 Filed as: HEATHER SCHEEL | 1448 GROVE PARK DRIVE APT 1512 COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $949 | — | $949 | 1.43% |
| DESHANTA R ADDISON3 | PO BOX 3924 LAGRANGE, GA 30241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | — | $246 | 0.37% |
| JOHN E CARTER III3 Filed as: JOHN E CARTER | 7310 N LAKE DRIVE STE B COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | PRINCIPAL LIFE INSURANCE COMPANY | -$5K | — | -$5K | — |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 344 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 344 | $2.1M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 344 | $2.1M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 422 | $127K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 422 | $127K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 422 | $127K |
| Other(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 422 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.