| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | AETNA HEALTH INC | — | $7K | $7K | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 318330070 | AETNA | $2K | — | $2K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 300 W 10TH STREET WEST POINT, GA 318330070 | AETNA | $1K | — | $1K | 1.95% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE - SEE ATTACHED LIST | POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 43.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $174 | $2K | 16.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $836 | — | $836 | 8.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179 | $24 | $203 | 11.32% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 317 | $431K |
| Dental | AETNA | 231 | $64K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 155 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $2K |
| Prescription drug | AETNA HEALTH INC | 317 | $431K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
No prospect flags tripped on this filing.