| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 300 WEST 10TH STREET WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $842K | $165 | $842K | 4.84% |
| TOTEM SOLUTIONS3 | 11330 LAKEFIELD DRIVE, BUILDING 1 SUITE 150 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | — | $780K | $780K | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | PO BOX 70 WEST POINT, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | — | $159K | $159K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | HARTFORD LIFE AND ACCIDENT | $343K | $54K | $397K | 9.27% |
| 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 | $5K | — | $5K | 5.68% |
| 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 | $29 | $4K | 3.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET, 12TH FLOOR NEW YORK, NY 10038 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
| DAVID BRUCKMAN3 Filed as: DAVID A. ESSARY | 200 ABBEY COURT ALPHARETTA, GA 30004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17 | — | $17 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 1330 NORTH PARK STREET CARROLLTON, GA 30112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11 | — | $11 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 5.56% |
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 | 21,149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 35 | $388K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,119 | $17.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 31,119 | $17.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,119 | $17.4M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 4 | $2K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 12,706 | $4.3M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 35 | $285K |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 49,003 | $18.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,003 | — |
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.