| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | 300 WEST 10TH STREET WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $856K | $33 | $856K | 4.86% |
| TOTEM OUTSOURCING LLC3 Filed as: TOTEM OUTSOURCING | 11330 LAKEFIELD DRIVE SUITE 150 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $840K | $840K | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF AL INC | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $140K | $140K | 0.80% |
| TOTEM OUTSOURCING LLC3 Filed as: TOTEM OUTSOURCING | 11330 LAKEFIELD DRIVE SUITE 150 JOHNS CREEK, GA 30005 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $91K | $91K | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $74K | $74K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | 300 WEST 10TH STREET WEST POINT, GA 31833 | HARTFORD LIFE AND ACCIDENT | $834K | $50K | $885K | 18.28% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | 1330 NORTH PARK STREET CARROLLTON, GA 30112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 1.41% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $833 | $8K | 0.79% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $982 | $0 | $982 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.00% |
| MONIVA JEANEE ALDRIDGE3 | 1142 STAUNTON DRIVE COLUMBUS, GA 31907 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.00% |
| WALTER ROWSON III3 | 11330 LAKEFIELD DRIVE DULUTH, GA 30097 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE SUITE 100 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 14.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | $0 | $4K | 20.00% |
| CUSTOM BENEFIT PROGRAMS INC Filed as: CUSTOM BENEFIT PROGRAM | 897 12TH STREET HAMMONON, NJ 08037 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6 | $0 | $6 | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | 1330 NORTH PARK STREET CARROLLTON, GA 30112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4 | $0 | $4 | 0.96% |
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 | 20,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 37 | $297K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 30,293 | $17.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 30,293 | $17.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 30,293 | $17.6M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,539 | $991K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,002 | $4.8M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 37 | $297K |
| Other(7 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 69,585 | $19.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69,585 | — |
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.