| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $14K | $14K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $9K | $9K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $581 | $581 | 4.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | 3438 PEACHTREE ROAD NE SUITE 1100 ATLANTA, GA 30326 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $50 | $50 | 5.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMIN | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $280K |
| DISCOVERY BENEFITS EIN 90-0058554 FSA ADMIN | Claims processing Service code 12 | — | $17K |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 EAP ADMIN | Participant communication; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $10K |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 276 | $2.0M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 970 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 484 | $152K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 445 | $186K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 459 | $333K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 796 | $302K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 484 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.