| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY OF AL | 11330 LAKEFIELD DRIVE BUILDING 1, SUITE 100 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | — | $993K | $993K | 6.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY OF AL | 300 WEST 10TH STREET WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $517K | $57 | $517K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | HARTFORD LIFE AND ACCIDENT | $311K | — | $311K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | PO BOX 70 WEST POINT, GA 31833 | EYEMED VISION CARE | $315K | — | $315K | 14.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 3.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 199 WATER STREET, 12TH FLOOR NEW YORK, NY 10038 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
| TRICERION GROUP, LLC3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $25 | — | $25 | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 1330 NORTH PARK STREET CARROLLTON, GA 30117 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $18 | — | $18 | 0.94% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5 | — | $5 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 4.58% |
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 | 20,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 289 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,428 | $428K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 30,113 | $14.4M |
| Vision | EYEMED VISION CARE | 26,532 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 30,113 | $14.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 11,365 | $3.9M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 33 | $409K |
| Other(7 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 47,530 | $15.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,530 | — |
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.