| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER, A MARSH & MCLENNAN | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITEDHEALTHCARE INSURANCE COMPANY | $186K | $0 | $186K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO., A MARSH & MCL | 11330 LAKEFIELD DR. BLDG 1, STE 100 JOHNS CREEK, GA 300971578 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $7K | $32K | 13.05% |
| 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 | $4K | $4K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST, PO BOX 70 WEST POINT, GA 31833 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 18.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 19.20% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 300971578 | UNITED OF OMAHA INSURANCE COMPANY | $9K | $3K | $12K | 20.03% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 3.50% |
| 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 | $3K | $12K | 20.02% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.50% |
| 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 | $2K | $9K | 19.79% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $792 | $792 | 3.50% |
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 | 602 | 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) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 459 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $242K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $242K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 606 | $59K |
| Short-term disability | UNITED OF OMAHA INSURANCE COMPANY | 191 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $44K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 606 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.