| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIRLD DR. BLDG 1, STE 100 DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORPORATION | $13K | $0 | $13K | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 611 POINTE NORTH BLVD. ALBANY, GA 317211514 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $9K | $9K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DR. BLDG. 1, SUITE 100 DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORPORATION | $9K | $0 | $9K | 4.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 13.04% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE E DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.60% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | $0 | $311 | 0.36% |
| TAMARA J YOUNGS3 Filed as: TAMARA J. YOUNGS | 12045 JENKS ST. NE BELDING, MI 48809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | $0 | $161 | 0.19% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | $0 | $129 | 0.15% |
| JEFFRY D DEKAM3 | 3185 MACATAWA DR GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.11% |
| EDWARD O WALTER3 | 505 CHERRY STREET SE APT #309 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.07% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.05% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.04% |
| HEATHER A DOLLIVER3 Filed as: HEATHER A. DOLLIVER | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.02% |
| HERBERT R FULD3 | 93 W CLINTON DR BATTLE CREEK, MI 49017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| WILLIAM JOHNSON3 | 17276 VIOLET RUTH DRIVE CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| 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 | 19.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DR., SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA INSURANCE COMPANY | $7K | $2K | $9K | 18.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DR., SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 19.46% |
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 | 585 | 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) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 281 | $3.0M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 664 | $223K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 664 | $223K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $49K |
| Short-term disability | UNITED OF OMAHA INSURANCE COMPANY | 166 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $33K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 758 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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.