| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | PAN AMERICAN LIFE INSURANCE COMPANY | $130K | — | $130K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $4K | — | $4K | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $106K | — | $106K | 16.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 18.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.95% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS AGENTS - SEE ATTACHMENT POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31K | $12K | $43K | 108.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD NE PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $452 | $3K | 17.60% |
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 | 1,269 | 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) | 1,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 1,169 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 2,099 | $644K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 2,099 | $644K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 938 | $105K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 549 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 482 | $40K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 938 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,099 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.