| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 31833 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | PRINCIPAL LIFE INSURANCE COMPANY | — | $410 | $410 | 0.72% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE-SEE ATTACHED LIST | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 31.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $173 | $2K | 18.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $413 | $52 | $465 | 13.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J SMITH LANIER & CO INC BROKER | Other commissions Service code 55 | P O BOX 70 WEST POINT, GA 31833 | $24K |
| J SMITH LANIER & CO OF HUNTSVILLE BROKER | Other commissions Service code 55 | 11330 LAKEFIELD DR STE 200 DULUTH, GA 30097 | $0 |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 343 | $480K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $57K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 135 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $12K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $3K |
| Prescription drug | AETNA HEALTH INC | 343 | $480K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.