| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER/MARSH & MCLENNAN | 300 WEST 10TH STREET WEST POINT, GA 31833 | AETNA HEALTH INC | $21K | — | $21K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 300 W. 10TH STREET WEST POINT, GA 318330070 | AETNA LIFE INSURANCE CO. | $5K | $471 | $6K | 6.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. BLDG 1 STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE W #400 PARK 80 W, PLAZA 2 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $795 | $60 | $855 | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $482 | $482 | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $285 | $3K | 18.02% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE - SEE ATTACHED LIST | POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | EYEMED VISION CARE | $739 | — | $739 | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | EYEMED VISION CARE | $319 | — | $319 | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $475 | $83 | $558 | 12.54% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 257 | $406K |
| Dental | AETNA LIFE INSURANCE CO. | 200 | $90K |
| Vision | EYEMED VISION CARE | 133 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $33K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.