| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $410K | $148 | $410K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $158K | $158K | 1.38% |
| TOTEM OUTSOURCING LLC3 Filed as: TOTEM OUTSOURCING | 11330 LAKEFIELD DRIVE, SUITE 150 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93K | $93K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO. OF AL, INC. | 300 WEST 10TH STREET WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $10 | $38K | 0.33% |
| DS-BSC LLC3 Filed as: DS-BSC LLC DBA TOTEM SOLUTIONS | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | ONEAMERICA | $475K | $1.1M | $1.6M | 25.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE, SUITE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $673K | $50K | $722K | 19.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $76K | $76K | 2.02% |
| DS-BSC LLC3 Filed as: DS-BSC LLC DBA TOTEM SOLUTIONS | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $522K | $0 | $522K | 17.62% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W. MCDANIEL | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 0.62% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 0.24% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.06% |
| 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 | $16K | $0 | $16K | 13.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | -$2 | $3K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 4.97% |
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 | 19,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 334 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 38 | $302K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 29,723 | $11.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 29,723 | $11.5M |
| Life insurance(2 contracts, 2 carriers) | ONEAMERICA | 19,997 | $6.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,964 | $3.7M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 38 | $302K |
| Other(5 contracts, 5 carriers) | ONEAMERICA | 68,135 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68,135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.