| 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 30833 | METROPOLITAN LIFE INSURANCE COMPANY | $406K | $68 | $406K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $126K | $126K | 1.25% |
| TOTEM SOLUTIONS3 | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | AMERICAN UNITED LIFE INSURANCE COMPANY | $672K | $1.3M | $2.0M | 22.50% |
| BSC, LLC DBA TOTEM SOLUTIONS3 | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $664K | $0 | $664K | 21.20% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W. MCDANIEL | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 0.54% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVENUE SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 0.20% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | $0 | $328 | 0.01% |
| 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 | $12K | $0 | $12K | 20.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 30833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 2.42% |
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 | 14,062 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 418 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 36 | $259K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 25,610 | $10.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 25,610 | $10.0M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 17,952 | $8.9M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 17,952 | $8.9M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 36 | $259K |
| Other(5 contracts, 5 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 67,123 | $12.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,123 | — |
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.