| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | BLDG 26 STE 250 1640 POWERS FERRY ROAD SE MARIETTA, GA 30067 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 9.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 4.53% |
| NORHTWESTERN BENEFIT CORP OF GA3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 2.60% |
| STEPP, LARRY K3 | BLDG 26-250 1640 POWERS FERRY ROAD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 8.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 6.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $429 | $4K | 1.38% |
| STEPP, LARRY K3 | BLDG 26-250 1640 POWERS FERRY ROAD SE MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $546 | $11K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 303261555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $883 | $8K | 5.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $208 | $2K | 1.39% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING GROUP | 1640 POWERS FERRY ROAD SE SUITE 250 MARIETTA, GA 300679415 | EYEMED VISION CARE | $4K | — | $4K | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | EYEMED VISION CARE | $1K | — | $1K | 3.08% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING GROUP | 1640 POWERS FERRY ROAD SE SUITE 250 MARIETTA, GA 300679415 | EYEMED VISION CARE | $694 | — | $694 | 10.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | EYEMED VISION CARE | $218 | — | $218 | 3.24% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICA'S TPA, INC. DBA HEALTHEZ | 424 | $653K |
| Dental | STANDARD INSURANCE COMPANY | 407 | $352K |
| Vision(2 contracts) | EYEMED VISION CARE | 499 | $49K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $391K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $263K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $263K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.