| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET NW SUITE N108 ATLANTA, GA 30318 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $34K | $47K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD NE PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30318 | UNITED HEALTHCARE INSURANCE COMPANY | -$13K | $46K | $33K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N-108 ATLANTA, GA 30318 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $1K | $22K | 7.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP. OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | EYEMED VISION CARE | $664 | — | $664 | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP. OF GA | 3438 PEACHTREE ROAD NE PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | EYEMED VISION CARE | $646 | — | $646 | 4.09% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 220 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $305K |
| Vision | EYEMED VISION CARE | 313 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $305K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $305K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $305K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 220 | $1.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.