| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO. INC. | PO BOX 70 WEST POINT, GA 31833 | AETNA LIFE INSURANCE CO. | $0 | $9K | $9K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIRLD DR. BLDG 1, STE 100 DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORPORATION | $24K | $0 | $24K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 611 POINTE NORTH BLVD. ALBANY, GA 317211514 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $7K | $7K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DR., SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 1330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DR., SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA INSURANCE COMPANY | $6K | $1K | $7K | 86.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | — |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | — |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $501 | $0 | $501 | — |
| TAMARA J YOUNGS3 Filed as: TAMARA J. YOUNGS | 12045 JENKS ST BELDING, MI 48809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485 | $0 | $485 | — |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | $0 | $215 | — |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | $0 | $139 | — |
| EDWARD O WALTER3 | 505 CHERRY STREET SE APT #309 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | — |
| JEFFRY D DEKAM3 | 3185 MACATAWA DR GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | — |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | — |
| HERBERT R FULD3 | 93 W CLINTON DR BATTLE CREEK, MI 49017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | — |
| HEATHER A DOLLIVER3 Filed as: HEATHER A. DOLLIVER | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | — |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | — |
| WILLIAM JOHNSON3 | 17276 VIOLET RUTH DRIVE CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | — |
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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 272 | $3.0M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 772 | $238K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 772 | $238K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 622 | $57K |
| Short-term disability | UNITED OF OMAHA INSURANCE COMPANY | 158 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $32K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.