| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 14.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: J. SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $722 | — | $722 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $319 | — | $319 | 15.02% |
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 | 491 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $277K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $66K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $82K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.