| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 300 WEST TENTH STREET WEST POINT, GA 31833 | UNITED CONCORDIA COMPANIES, INC. | $27K | — | $27K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 80707 ATLANTA, GA 30366 | SYMETRA LIFE INSURANCE COMPANY | $55K | $5K | $60K | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER, INC. | 11330 LAKEFIELD DR BLDG 1 JOHNS CREEK, GA 30097 | VISION SERVICE PLAN | $3K | — | $3K | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF GEORG EIN 58-0469845 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $539K |
| EXPRESS SCRIPTS EIN 22-3461740 | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $23K |
| J SMITH LANIER & COMPANY | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 200 BROOKSTONE CTR PKWY COLUMBUS, GA 31904 | $0 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA COMPANIES, INC. | 1,788 | $689K |
| Vision | VISION SERVICE PLAN | 617 | $97K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 733 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,788 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.