| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO., INC. | PO BOX 70 WEST POINT, GA 31833 | AETNA LIFE INSURANCE CO. | $38K | $0 | $38K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | P O BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $913 | $913 | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | P O BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $645 | $645 | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | P O BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $573 | $573 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | P O BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $478 | $478 | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 1330 NORTH PARK ST. CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 16.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 30833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $479 | $479 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | P O BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $36 | $36 | 1.56% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 857 | $4.1M |
| Dental | AETNA LIFE INSURANCE CO. | 857 | $4.1M |
| Vision | VISION BENEFITS OF AMERICA | 305 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $96K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $107K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $126K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 857 | $4.1M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.