| 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 | $158K | $53K | $210K | 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 | $34K | $9K | $42K | 12.30% |
| 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 | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $143 | $143 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $7K | $36K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GU 30097 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $46K | $0 | $46K | 23.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $6K | $31K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $5K | $27K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $5K | $24K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $571 | $3K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $993 | $993 | 6.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE SUITE 100 BLDG 1 JOHNS CREEK, GA 30097 | METROPOLITAN GENERAL INSURANCE COMPANY | $880 | $77 | $957 | 10.10% |
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 | 1,138 | 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) | 1,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 839 | $345K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 839 | $345K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,149 | $130K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,030 | $170K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,148 | $197K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 492 | $1.1M |
| Other(5 contracts, 3 carriers) | BANKERS FIDELITY LIFE INSURANCE COMPANY | 1,149 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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."
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.