| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | $0 | $65K | 8.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $7K | $21K | 14.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 28.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 10.69% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 040926914 | UNION SECURITY INSURANCE COMPANY | $0 | $1K | $1K | 4.30% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC. | JOEL H OWENS CORDELE, GA 31010 | UNION SECURITY INSURANCE COMPANY | $422 | $0 | $422 | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 191037501 | UNION SECURITY INSURANCE COMPANY | $0 | $418 | $418 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $745K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $144K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $144K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $11K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 77 | $28K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.