| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $75K | — | $75K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | ONE AMERICA | $20K | $6K | $26K | 13.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD | $11K | $2K | $13K | 10.17% |
| DAVID ASBURY3 | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | EYEMED VISION CARE | $2K | — | $2K | 10.03% |
| GOODRUM, PHILLIP, PORTER3 Filed as: GOODRUM PHILLIP PORTER | 4400 PARK DRIVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 68.24% |
| ASBURY, DAVID, HARRIS3 | SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $39 | $1K | 8.43% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $616 | $616 | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $288 | — | $288 | 9.99% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK ROAD CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | — |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $163 | $5K | — |
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 | 546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 312 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD | 399 | $128K |
| Vision | EYEMED VISION CARE | 360 | $21K |
| Life insurance(3 contracts, 3 carriers) | ONE AMERICA | 546 | $216K |
| Short-term disability | ONE AMERICA | 546 | $199K |
| Long-term disability | ONE AMERICA | 546 | $199K |
| Other(2 contracts, 2 carriers) | ONE AMERICA | 546 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.