| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CTR PKWY STE 118 COLUMBUS, GA 31904 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $213K | — | $213K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $84K | — | $84K | 1.01% |
| 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 | $199K | $22 | $199K | 11.50% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR #D STE 350 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55K | $55K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28K | $28K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE STE 100 DULUTH, GA 300971508 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.10% |
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 | 1,156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 2,130 | $11.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,130 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,130 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,130 | $1.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,130 | $1.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,130 | $1.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,130 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,130 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.