| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | PO BOX 2030 LEXINGTON, KY 40588 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 13.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 360 E VINE STREET LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 13.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 360 E VINE STREET LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $760 | — | $760 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 13.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 360 E VINE STREET LEXINGTON, KY 40507 | UNITED OF OMAHA INSURANCE COMPANY | $483 | — | $483 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 360 E VINE STREET LEXINGTON, KY 40507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | — | $478 | 1.23% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $3.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 574 | $112K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 300 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $39K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.