| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO, A MARSH & | MCLENNAN AGENCY, LLC 11330 LAKEFIELD DR, SUITE 100 DULUTH, GA 30097 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | — | $5K | $5K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO, A MARSH & | MCLENNAN AGENCY, LLC 11330 LAKEFIELD DR, SUITE 100 DULUTH, GA 30097 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $37K | $37K | 6.06% |
| SEE ATTACHED3 | — | AFLAC | $10K | $110 | $11K | 12.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO., A MARSH | MCLENNAN AGENCY, LLC 11330 LAKEFIELD DR, SUITE 100 DULUTH, GA 30097 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.30% |
| PEAK POINT INTERNATIONAL LLC4 | 9220 WATERFORD LN POWDER SPRINGS, GA 30127 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $4K | — | $4K | 23.33% |
| J KEEBS & ASSOCIATES4 Filed as: J KEEBS & ASSOCIATES LLC | 1810 BLOSSOM CREEK LN CUMMING, GA 30040 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 6.23% |
| ELIZABETH H FINCHER4 | PO BOX 1382 ROSWELL, GA 30077 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $14 | — | $14 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO., A MARSH | MCLENNAN AGENCY, LLC 11330 LAKEFIELD DR, SUITE 100 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141 | — | $141 | 2.44% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 532 | $5.6M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 532 | $5.6M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 532 | $5.6M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 217 | $609K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 217 | $609K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 217 | $609K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 532 | $5.6M |
| Other(5 contracts, 5 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 217 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.