| 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 | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $7K | $25K | 15.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 18.99% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONE DIGITAL | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $227 | $2K | 11.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PKWY SUITE 400 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $332 | $0 | $332 | 12.08% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $276 | $0 | $276 | 10.04% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZAVE WESTBROOK, ME 040929700 | UNION SECURITY INSURANCE COMPANY | $0 | $118 | $118 | 4.29% |
| 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 | $41 | $41 | 1.49% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC. | JOEL H OWENS PO BOX 5786 CORDELE, GA 31010 | UNION SECURITY INSURANCE COMPANY | $36 | $0 | $36 | 1.31% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP, LLC | 252 HARRY LANE BLVD SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | $0 | $21 | $21 | 0.76% |
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 | 398 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $804K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $161K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $161K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $15K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 4 | $3K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.