| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DR. BLDG 1, STE 100 JOHNS CREEK, GA 300971578 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $7K | $28K | 11.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 13.34% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.06% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 0.26% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATEION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.10% |
| TAMARA J YOUNGS3 | 12045 JENKS ST. NE BELDING, MI 48809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 0.09% |
| JEFFRY D DEKAM3 | 31855 MACATAWA DR GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.08% |
| EDWARD O WALTER3 | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.04% |
| STEPHANIE L KESSELRING3 | 4112 W OAKELLAR AVE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.03% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.03% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.02% |
| HERBERT R FULD3 | 93 W CLINTON DR BATTLE CREEK, MI 49017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| WILLIAM JOHNSON3 | 17276 VIOLET RUTH DRIVE CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 19.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $786 | $0 | $786 | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 300971578 | UNITED OF OMAHA INSURANCE COMPANY | $8K | $3K | $10K | 18.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DR., SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA INSURANCE COMPANY | $636 | $0 | $636 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 18.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DR., SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $613 | $0 | $613 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 18.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $431 | $0 | $431 | 1.14% |
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 | 553 | 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) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 302 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 593 | $237K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 593 | $237K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 605 | $54K |
| Short-term disability | UNITED OF OMAHA INSURANCE COMPANY | 182 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $38K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 771 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.