| 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 | $353K | $149K | $502K | 2.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | HARTFORD LIFE AND ACCIDENT | $352K | — | $352K | 1.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $148K | $22K | $170K | 1.63% |
| 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 | $147K | $55 | $147K | 1.41% |
| 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 | — | $58K | $58K | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 162276 ATLANTA, GA 303662276 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 1.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF LEE COUNTY | 11330 LAKEFIELD DRIVE SUITE 100 DULUTH, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENDIN SUMRALL AND LADNER LLC ATTORNEY | Legal Service code 29 | 3330 PEACHTREE ROAD NE ATLANTA, GA 30326 | $423K |
| HEALTH ADVOCATE INC HEALTH CARE ADVOCATES | Other services Service code 49 | 3043 WALTON ROAD SUITE 150 PLYMOUTH MEETING, PA 19462 | $349K |
| BERKLEY RESEARCH GROUP CONTTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3350 WALTON RIVERWOOD LANE SE ATLANTA, GA 30339 | $181K |
| MERCER CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | $116K |
| MORRIS MANNING AND MARTIN LLP ATTORNEY | Legal Service code 29 | 990 HAMMOND DRIVE NE SUITE 300 ATLANTA, GA 30328 | $102K |
| BDO ACCOUNTANT/AUDITOR | Accounting (including auditing) Service code 10 | 1100 PEACHTREE STREET NE ATLANTA, GA 30309 | $61K |
| 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 | $54K |
| VERITEXT CORP LEGAL | Legal Service code 29 | 1075 PEACHTREE STREET SUITE 3625 ATLANTA, GA 30309 | $37K |
| INFINITE EDISCOVERY SOLUTIONS INC LEGAL | Legal Service code 29 | 229 PEACHTREE STREET NE SUITE 975 ATLANTA, GA 30303 | $31K |
| EDGEWOOD PARTNERS BROKER | Insurance services; Insurance agents and brokers Service code 22 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $28K |
| J SMITH LANIER AND CO INSURANCE AGENT | Insurance services; Insurance agents and brokers Service code 22 | P O BOX 1938 THOMASVILLE, GA 31799 | $14K |
| DTI LEGAL SERVICE FEE | Other fees Service code 99 | TWO RAVINIA DRIVE SUITE 850 ATLANTA, GA 30346 | $6K |
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 | 20,249 | 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) | 20,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,683 | $11.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 13,513 | $881K |
| Prescription drug | MEDCO CONTAINMENT LIFE INSURANCE COMPANY | 20,249 | $20.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 20,249 | $22.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,249 | — |
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.