| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO INC | PO BOX 70 WEST POINT, GA 31833 | AETNA LIFE INSURANCE CO. | $4K | $39K | $43K | 1.15% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $14K | $14K | 12.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 200 BROOKESTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $11K | $11K | 9.74% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $5K | $5K | 4.48% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J. SMITH LANIER & CO. | 200 BROOKESTONE CENTRE PKWY SUITE 118 COLUMBUS, GA 31904 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.70% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.68% |
| US DEPT HHS CMS0 | — | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.10% |
| RXEDO0 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J SMITH LANIER AND CO INC NONE | Insurance agents and brokers Service code 22 | PO BOX 70 WEST POINT, GA 31833 | $138K |
| J. SMITH LANIER & CO. OF HUNTS NONE | Insurance agents and brokers Service code 22 | 11330 LAKEFIELD DR STE 200 DULUTH, GA 30097 | $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 | 1,659 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,659 | $3.8M |
| Dental | AETNA LIFE INSURANCE CO. | 1,659 | $3.8M |
| Vision | AETNA LIFE INSURANCE CO. | 1,659 | $3.8M |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,659 | $3.8M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,659 | $3.8M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,659 | $3.8M |
| Other | PAN-AMERICAN LIFE INSURANCE COMPANY | 78 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,659 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.