| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | — | UNITED CONCORDIA INSURANCE COMPANY | $28K | — | $28K | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 12.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 12.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNSTVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.09% |
| ANGELA K DOWDY3 | 2141 ROHRER ROAD MAYFIELD, KY 42066 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.65% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PLACE SOUTHEAST GURLEY, AL 35748 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $297 | — | $297 | 0.82% |
| FRANK R GRIFFIN JR3 | 8601 GARRETT ROAD MIDLAND, GA 31820 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| JOHN E CARTER III3 | 313 TROOP DRIVE FORTSON, GA 31808 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| JSL, AMMA LLC COMPANY3 | 300 W 10TH ST WEST POINT, GA 31833 | MONUMENTAL LIFE INSURANCE COMPANY | $337 | — | $337 | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | MONUMENTAL LIFE INSURANCE COMPANY | $34 | — | $34 | 0.50% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 190 | $2.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 208 | $260K |
| Vision | VISION SERVICE PLAN | 246 | $32K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $134K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 190 | $2.5M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 311 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.