| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $291K | $0 | $291K | 2.98% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $162K | $0 | $162K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $74 | $68K | 5.70% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $12 | $20K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.85% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | $0 | $16K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE SUITE 100 DULUTH, GA 300971578 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $0 | $7K | 0.81% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $0 | $6K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE SUITE 100 DULUTH, GA 300971578 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 8.34% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $872 | $7K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 8.50% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $716 | $6K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 8.41% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $703 | $6K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, NJ 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $74 | $27K | 11.44% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $12 | $8K | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $162 | $162 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.70% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $432 | $3K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $78 | $11K | 11.67% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $798 | $798 | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | $5 | $49 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.48% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL, INC. | 300 W. 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $660 | $88 | $748 | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $360 | $360 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER | 300 WEST 10TH STREET WEST POINT, GA 31833 | HYATT LEGAL PLANS | $2K | $0 | $2K | 8.35% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HYATT LEGAL PLANS | $2K | $0 | $2K | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. DBA PROGRESSIVE BEN | PO BOX 12748 ROANOKE, VA 24028 | HYATT LEGAL PLANS | $0 | $122 | $122 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. (DE) | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | HYATT LEGAL PLANS | — | $69 | $69 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC., TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | $0 | $55 | $55 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1330 NORTH PARK STREET CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.25% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $515 | $0 | $515 | 5.01% |
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 | 1,762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,182 | $11.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,281 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,041 | $169K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $322K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 946 | $495K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $343K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,762 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,762 | — |
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.