| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 200 BROOKSTONE CENTER PKWY 118 COLUMBUS, GA 31904 | HARTFORD LIFE AND ACCIDENT | $647K | $100K | $747K | 3.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 70 WEST POINT, GA 31833 | MEDCO CONTAINMENT LIFE INSURANCE COMPANY | $603K | — | $603K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF ALABAMA | P O BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $288K | $19 | $288K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF ALABAMA | 11330 LAKEFILED DRIVE SUITE 100 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | — | $177K | $177K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 162276 ATLANTA, GA 303662276 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $24K | — | $24K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF LEE COUNTY | 11330 LAKEVILED DRIVE SUITE 100 DULUTH, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 2.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | $3.4M |
| HEALTH ADVOCATE INC HEALTH CARE ADVOCATES | Other services Service code 49 | 3043 WALTON ROAD SUITE 150 PLYMOUTH MEETING, PA 19462 | $702K |
| HOLLAND AND KNIGHT EIN 59-0663819 ATTORNEY | Legal Service code 29 | — | $216K |
| BENDIN SUMRALL AND LADNER LLC ATTORNEY | Legal Service code 29 | 3330 PEACHTREE ROAD NE ATLANTA, GA 30326 | $126K |
| BDO ACCOUNTANT/AUDITOR | Accounting (including auditing) Service code 10 | 1100 PEACHTREE STREET NE ATLANTA, GA 30309 | $54K |
| J SMITH LANIER AND CO INSURANCE AGENT | Insurance services; Insurance agents and brokers Service code 22 | P O BOX 1938 THOMASVILLE, GA 31799 | $29K |
| WELCH HORNSBY INVESTMENT ADVISOR | Trustee (bank, trust company, or similar financial institution); Investment management; Custodial (securities) Service code 19 | 2000 SOUTHBRIDGE PARKWAY SUITE 500 BIRMINGHAM, AL 35209 | $17K |
| ONSITE EVENT SERVICES EVENT SERVICES | Other fees Service code 99 | 6779 CRESCENT DRIVE NORCROSS, GA 30071 | $9K |
| HAPEVILLE DWARF HOUSE EIN 58-0941582 ROAD SHOW EXPENSE | Other services Service code 49 | — | $7K |
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 | 20,440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,461 | $10.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 13,314 | $862K |
| Prescription drug | MEDCO CONTAINMENT LIFE INSURANCE COMPANY | 20,262 | $18.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 20,440 | $21.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,440 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.