| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 300 W 10TH ST WEST POINT, GA 31833 | AETNA LIFE INSURANCE CO. | $33K | $3K | $36K | 4.44% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR FORT WASHINGTON, PA 19034 | AETNA LIFE INSURANCE CO. | $25K | $0 | $25K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $12K | $0 | $12K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | 11330 LAKEFIELD DRIVE SUITE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $378 | $4K | 12.05% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $411 | $2K | 6.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PARKWAY SE STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR BUILDING 1 STE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $282 | $2K | 12.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | $305 | $1K | 6.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PARKWAY SE STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $809 | $0 | $809 | 4.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR BUILDING 1 STE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $267 | $2K | 12.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $949 | $292 | $1K | 6.54% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PARKWAY SE STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $784 | $0 | $784 | 4.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE BLDG 1 SUITE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $161 | $2K | 12.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $715 | $174 | $889 | 6.22% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PARKWAY SE STE 300 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $561 | $0 | $561 | 3.92% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 152 | $804K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $19K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.