| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 200 BROOKSTONE CTR PARKWAY STE 118 COLUMBUS, GA 31904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 200 BROOKSTONE CTR PARKWAY STE 118 COLUMBUS, GA 31904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 20.31% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: J. SMITH LANIER & CO | 200 BROOKSTONE CTR PARKWAY STE 118 COLUMBUS, GA 31904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 200 BROOKSTONE CTR PARKWAY STE 118 COLUMBUS, GA 31904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 200 BROOKSTONE CTR PARKWAY STE 118 COLUMBUS, GA 31904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $817 | — | $817 | 15.00% |
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 | 551 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 551 | $230K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 282 | $75K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.