| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 200 BROOKSTONE CTR PKWY, STE 118 COLUMBUS, GA 31904 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST WEST POINT, GA 31833 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 6.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 200 BROOKSTONE CTR PKWY, STE 118 COLUMBUS, GA 31904 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO FO LEE COUNTY | 206 EXCHANGE PLACE HUNTSVILLE, AL 358240087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $586 | $586 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 200 BROOKSTONE CTR PKWY, STE 118 COLUMBUS, GA 31904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 25.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 200 BROOKSTONE CTR PKWY, STE 118 COLUMBUS, GA 31904 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 25.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1021071 | Float revenue; Contract Administrator; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Non-monetary compensation; Other services Service code 12 | — | $42K |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $486K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $91K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $91K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.