| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & A MARSH & MCLENNAN | 300 WEST 10TH STREET WEST POINT, GA 31833 | AETNA HEALTH INC | — | $8K | $8K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 300 W. 10TH STREET WEST POINT, GA 318330070 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DRIVE BUIDING 1 SUITE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $253 | $2K | 3.54% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $414 | $414 | 0.85% |
| 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 | 28.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $143 | $3K | 15.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $968 | — | $968 | 9.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $381 | $51 | $432 | 10.16% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC | 345 | $484K |
| Dental | AETNA LIFE INSURANCE CO. | 258 | $82K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 160 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $49K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.