| 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 | GRANULAR INSURANCE COMPANY | $150K | $0 | $150K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO., A MARSH & MCL | 11330 LAKEFIELD DR. BLDG 1, STE 100 JOHNS CREEK, GA 300974425 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $8K | $38K | 11.06% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $522 | $14K | 3.97% |
| 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 | $3K | $3K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GU 30097 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $43K | $0 | $43K | 28.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $11K | $32K | 23.46% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $9K | $28K | 22.49% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $8K | $23K | 23.02% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 24.52% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 22.55% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE SUITE 100 BLDG 1 JOHNS CREEK, GA 30097 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $655 | $111 | $766 | 11.69% |
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 | 905 | 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) | 905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $342K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $342K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 927 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 925 | $125K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 416 | $748K |
| Other(5 contracts, 3 carriers) | BANKERS FIDELITY LIFE INSURANCE COMPANY | 927 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.