| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 318330070 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | 300 W 10TH ST WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 11.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE BLDG 1 STE 100 DULUTH, GA 300971508 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 10.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE BLDG 1 STE 100 DULUTH, GA 300971508 | VISION BENEFITS OF AMERICA | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH PROVIDER | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $84K |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 546 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 885 | $249K |
| Vision | VISION BENEFITS OF AMERICA | 297 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 465 | $232K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 465 | $232K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 465 | $232K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 546 | $2.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 465 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.