| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $116K | $4K | $120K | 6.18% |
| DAVID ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 303261142 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | ONE AMERICA | $23K | $3K | $26K | 11.50% |
| DAVID ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 303261142 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 4.00% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | ATTN PHILLIP GOODRUM 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $850 | $16K | 45.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $87 | $7K | 18.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | EYEMED VISION CARE | $2K | — | $2K | 9.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | PRINCIPAL LIFE INSURANCE COMPANY | $303 | $25 | $328 | 10.82% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 402 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 402 | $1.9M |
| Vision | EYEMED VISION CARE | 355 | $22K |
| Life insurance(2 contracts, 2 carriers) | ONE AMERICA | 547 | $233K |
| Short-term disability | ONE AMERICA | 547 | $230K |
| Long-term disability | ONE AMERICA | 547 | $230K |
| Other(2 contracts, 2 carriers) | ONE AMERICA | 547 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.