| 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 | $114K | — | $114K | 7.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE SUITE 1000 MIAMI, FL 33131 | PAN AMERICAN LIFE INSURANCE COMPANY | $36K | — | $36K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD NE PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $37K | $9K | $46K | 5.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $7K | — | $7K | 0.89% |
| 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 | $73K | $18K | $91K | 11.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29695 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF GEORGIA | $14K | — | $14K | 1.87% |
| 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 | $34K | $10K | $44K | 13.44% |
| AON CONSULTING INC3 | 555 E LANCASTER AVENUE RADNOR, PA 190875158 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 4.57% |
| COLONIAL LIFE & ACCIDENT3 | VARIOUS AGENTS - SEE ATTACHED POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $16K | $51K | 54.36% |
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 | 665 | 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) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 1,243 | $2.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF GEORGIA | 2,217 | $1.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 2,217 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $329K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $329K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $329K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,217 | — |
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.